The right investment strategy can help to secure your financial future. Strategic Wealth Solutions will provide transparent advice to give you the best possible results.
ISAs - Individual Savings Accounts
- One of the most tax-efficient ways to save and invest
- Tax-efficient allowance of £20,000
- Full flexibility in the use of cash and investments within overall annual limit
- Allowance for Cash ISAs will reduce to £12,000 from 2027, Stocks and Shares ISAs remain at £20,000
Junior ISAs
- Replaced Child Trust Funds (CTF) in 2011
- Possible to transfer a CTF into a Junior ISA
- Flexible and tax-efficient way for children to save
- Helps to secure financial future of your children
- Available to children under 18 years old
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
An investment in a Stocks and Shares ISA or JISA will not provide the same security of capital associated with a Cash ISA or JISA. However, please bear in mind that over the long-term inflation will erode the purchasing power of your capital.
Unit Trusts
A portfolio of financial assets which are managed by a professional fund manager. These assets may include stocks, property and bonds.
- Accommodate the tax advantages extended by ISAs
- Benefit from a stock market investment without further liability to Income or Capital Gains Tax
- Crucial component of a Stocks and Shares ISA
- Provide solutions for medium to long-term capital growth income
- Flexibility for investors to use their annual Capital Gains Tax allowance
- Alternative solution for investments on behalf of children, when used in conjunction with a Trust
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
Investing for Income
- Range of income solutions available, across a range of asset classes
- Fixed interest: corporate bonds and gilts offer the potential for increased income in times of low interest rates
- Equities: Typically outperforms other asset classes over the longer term (5-10 years). Also offers the potential for capital growth and high income through dividends not seen in cash or fixed interest investments.
- Commercial Property: could potentially offer attractive and sustainable income levels
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. Past performance is not incicative of future performance.
Please note it is not possible to invest directly in commercial property with SJP.
Investment Bonds
- Long-term investment products
- Allow investors to spread risk
- Allow easy switching between funds
- Simple yet flexible solution to income needs, capital growth and tax planning
- Potentially reduce personal liability to tax
- Structured as life insurance policies with investment element
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.
Please note that if the withdrawals taken exceed the growth of the Bond, the capital will be eroded.
Discretionary and Stockbroking Services
- Provided by Rowan Dartington , the discretionary fund management and stockbroking arm which is wholly owned by the St. James’s Place Group.
- Bring across assets you hold with other providers, including cherished holdings
- Convenience of having all your assets in one place
- Personalised and dedicated service
Discretionary Portfolios:
- For investors with specific investment requirements, or want to delegate control of their investments
- Bespoke portfolio created, matched to your individual needs
- Portfolio managed for you on a discretionary basis
- Discretionary portfolio will work together with your other investments
- Capital Gains Tax service can help you with effective tax management
- Options to secure a loan against the assets in your portfolio (terms and conditions apply)
- Pass on wealth tax efficiently with the AIM Inheritance Tax Portfolio Service
Stockbroking:
- Advice tailored to your individual investments, including direct equities
- Manage your own portfolio
- Stockbroking team can provide a straightforward dealing service
Offshore Investments:
- Attractive option when a parent has provided capital to a minor
- Good choice for those who expect their marginal rate of tax to fall
- Could benefit investors who are entitled to an age-related allowance or expatriates investing while non-resident
- Help maximise growth prospects
- Spread risk
- Access to a range of carefully selected and monitored Investment Managers
- Choose a regular and predictable income
- Switch between funds easily
- Reduce your persona liability and Capital Gains Taxes
The value of an investment with SJP or Rowan Dartington, and the income from it may fall as well as rise. You may get back less than you invested.
The level and basis of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
St. James's Place Growth and Income Portfolios
Growth Portfolios
- Help investors build up the value of their wealth
- Aims to achieve capital growth over medium to long-term
- Good option for those who are investing for retirement or saving to pay future tuition fees
- Six Growth Portfolios with differing levels of risk
Income Portfolios
- Aims to generate a good, sustainable income
- Would suit investors looking to generate additional income for retirement
- Three Income Portfolios with differing levels of risk
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
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