Investment Planning

What we can do for you.

The right investment strategy can help to secure your financial future. SWS 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

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
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. 
The favourable tax treatment of ISAs and JISAs may not be maintained in the future and is subject to changes in legislation.
Please note Cash ISAs are not available through St. James’s Place.
Young attractive girl with her pet dog at a beach, colorised image
Silhouette of two adults and a child at the coast

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
Trusts are not regulated by the Financial Conduct Authority

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  
Close up of a British Short Hair cat sleeping next to a woman’
Professional expert working with information for business report about corporate money investment writing notes in textbook during time for online researching on laptop computer,digital marketing

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

Discretionary and Stockbroking Services

Provided by Rowan Dartington 

  • 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
  • Pass on wealth tax efficiently with the AIM Inheritance Tax Portfolio Service


  • 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
  • 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

St. James's Place Growth and Income Portfolios

Growth Portfolios

  • Help investors build up the value of their wealth
  • 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

  • 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.

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.

Father making breakfast for his kids at home. Man having fun preparing breakfast at home with his kids.
Book a discovery call

Make the most of your money: start your financial planning today.