INVESTMENT PLANNING

Whether you’re looking to invest for income or growth, the right investment strategy is critical in helping secure your future financial well-being.

We can offer you advice which helps create the right investment strategy, based on your own specific circumstances. The St. James's Place comprehensive range of investment solutions and ongoing services have been carefully refined to help you reach your financial goals.

St. James's Place risk-rated portfolios enable you to spread your investments across a wide range of global asset types and choose fund managers with different investment styles, to create a balanced and diversified investment solution.

Our investment planning advice services are designed to help grow wealth and protect against inflation.

ISA

ISAs are one of the most popular and tax-efficient methods of saving and investing for the future. We draw on some of the world’s top investment professionals to manage our ISA funds.

INDIVIDUAL SAVINGS ACCOUNTS (ISAS)

Since their introduction in 1999, ISAs have become one of the most popular and tax-efficient ways to save and invest for the future.

In 2014, the Chancellor announced sweeping changes to ISA regulations, designed to encourage people to save more by offering bigger tax breaks and greater flexibility.

The ISA allowance remains at £20,000 for the tax year 2020/21, and the changes from July 2014 now allow full flexibility in the use of cash and investments within the overall annual limit.

St. James's Place draw on the expertise of some of the world’s top investment professionals to manage our ISA funds. This will allow you to match the risks you are prepared to take with a well-diversified and balanced portfolio, to create an appropriate strategy to aim for income or capital growth. Through regular reviews we adjust the mix to reflect changing needs and markets.

Key Investor Information Documents

Before you choose to invest in a Unit Trust via an ISA, it's important you read our Key Investor Information Documents and Supplementary Information Document.

The value of an investment with St. James's Place will be directly linked to the performance of funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.

Please Note: An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a cash ISA.

The favourable tax treatment currently given to ISAs is subject to changes in legislation and may not be maintained in the future.

Junior ISA

Junior ISAs gives youngsters a head start and introduces the importance of saving. It provides a flexible, tax-efficient way to build a capital sum to help secure the financial future of your children.

Junior ISA

The younger generation are facing new and difficult financial challenges as they grow up in the modern world. University and tuition fees, the prospect of finding a deposit on a first house and the realities of having to work longer and make provisions for an income in retirement.

In 2011 Junior ISAs replaced Child Trust Funds (CTF). Children born between 2002 and 2011 would have had a CTF. CTFs can now be transferred into a Junior ISA.

The Junior ISA helps give youngsters an introduction to the importance of saving. It provides a flexible and tax-efficient way to build a capital sum to help secure the financial future of your children.

A Junior ISA can be used for many things. It can help provide children with access to quality education, open up opportunities and help them get established when they make their first steps out into the world alone.

Starting to save money now might make all the difference in the long-term.

Key Investor Information Documents

Before you choose to invest in a Unit Trust via an ISA, it’s important you read our Key Investor Information Documents and Supplementary Information Document.

You should be aware that an investment with St. James's Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you initially invested.

The favourable tax treatment given to Junior ISA is subject to changes in legislation and may not continue in the future.

Unit Trusts

Unit Trusts are a crucial component of a stocks and shares ISA and offer a range of other benefits to investors. They provide a solution for medium to long term capital growth and income.

Unit Trusts

A Unit Trust is a portfolio of financial assets which are managed by a professional fund manager. These assets may include stocks, property, and bonds.

Unit Trusts are a useful investment as they can accommodate the tax advantages extended by ISAs. They help provide the opportunity to benefit from a stock market investment without further liability to Income or Capital Gains Tax.

Unit Trusts are often seen as a crucial component of a Stocks and Shares ISA. They can offer a range of other benefits to investors. Unit Trusts can provide solutions for medium to long term capital growth and income.

When used as part of a focused tax-planning exercise, Unit Trusts can provide investors with the flexibility to use their annual Capital Gains Tax allowance.

Furthermore, when used in conjunction with a Trust*, they also offer an alternative solution for investments on behalf of children.

Key Investor Information Documents

Before you choose to invest in a Unit Trust via an ISA, it’s important you read our Key Investor Information Documents and Supplementary Information Document.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select which means that the value can go down as well as up. You may get back less than you initially invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on your individual circumstances.

* Trusts are not regulated by the Financial Conduct Authority.

INDIVIDUAL SAVINGS ACCOUNTS (ISAS)

Since their introduction in 1999, ISAs have become one of the most popular and tax-efficient ways to save and invest for the future.

In 2014, the Chancellor announced sweeping changes to ISA regulations, designed to encourage people to save more by offering bigger tax breaks and greater flexibility.

The ISA allowance remains at £20,000 for the tax year 2020/21, and the changes from July 2014 now allow full flexibility in the use of cash and investments within the overall annual limit.

St. James's Place draw on the expertise of some of the world’s top investment professionals to manage our ISA funds. This will allow you to match the risks you are prepared to take with a well-diversified and balanced portfolio, to create an appropriate strategy to aim for income or capital growth. Through regular reviews we adjust the mix to reflect changing needs and markets.

Key Investor Information Documents

Before you choose to invest in a Unit Trust via an ISA, it's important you read our Key Investor Information Documents and Supplementary Information Document.

The value of an investment with St. James's Place will be directly linked to the performance of funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.

Please Note: An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a cash ISA.

The favourable tax treatment currently given to ISAs is subject to changes in legislation and may not be maintained in the future.

Junior ISA

The younger generation are facing new and difficult financial challenges as they grow up in the modern world. University and tuition fees, the prospect of finding a deposit on a first house and the realities of having to work longer and make provisions for an income in retirement.

In 2011 Junior ISAs replaced Child Trust Funds (CTF). Children born between 2002 and 2011 would have had a CTF. CTFs can now be transferred into a Junior ISA.

The Junior ISA helps give youngsters an introduction to the importance of saving. It provides a flexible and tax-efficient way to build a capital sum to help secure the financial future of your children.

A Junior ISA can be used for many things. It can help provide children with access to quality education, open up opportunities and help them get established when they make their first steps out into the world alone.

Starting to save money now might make all the difference in the long-term.

Key Investor Information Documents

Before you choose to invest in a Unit Trust via an ISA, it’s important you read our Key Investor Information Documents and Supplementary Information Document.

You should be aware that an investment with St. James's Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you initially invested.

The favourable tax treatment given to Junior ISA is subject to changes in legislation and may not continue in the future.

Unit Trusts

A Unit Trust is a portfolio of financial assets which are managed by a professional fund manager. These assets may include stocks, property, and bonds.

Unit Trusts are a useful investment as they can accommodate the tax advantages extended by ISAs. They help provide the opportunity to benefit from a stock market investment without further liability to Income or Capital Gains Tax.

Unit Trusts are often seen as a crucial component of a Stocks and Shares ISA. They can offer a range of other benefits to investors. Unit Trusts can provide solutions for medium to long term capital growth and income.

When used as part of a focused tax-planning exercise, Unit Trusts can provide investors with the flexibility to use their annual Capital Gains Tax allowance.

Furthermore, when used in conjunction with a Trust*, they also offer an alternative solution for investments on behalf of children.

Key Investor Information Documents

Before you choose to invest in a Unit Trust via an ISA, it’s important you read our Key Investor Information Documents and Supplementary Information Document.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select which means that the value can go down as well as up. You may get back less than you initially invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on your individual circumstances.

* Trusts are not regulated by the Financial Conduct Authority.

Investing for income

St. James's Place offers a range of income solutions. We invest across many asset classes, helping provide you with a diversified, personally tailored portfolio.

Investing for income

Long term investors looking for income, have been seeking alternative homes for their capital since the 2007 financial crisis.

The value of money held on deposit has been impacted by inflation and investing for income is now more important than ever.

We offer a range of income solutions, investing across a range of asset classes, helping us to provide a diversified, personally tailored portfolio.

With interest rates at historic lows, investors could consider alternative sources of income:

  • Fixed Interest - corporate bonds and gilts offer the potential for increased income in times of low interest rates
  • Equities - while in the short-term equities can be volatile, history shows us that they have outperformed all other asset classes over the longer term and offer the potential for capital growth and rising income
  • Commercial Property - while the commercial property market offers an opportunity to achieve capital growth over the longer term, the primary return for investors is rental income. By securing long leases with financially secure tenants, commercial property could potentially offer attractive and sustainable income levels.

Diversification and expert management remain the keys to long-term success in challenging markets. The St. James's Place approach gives you access to investment expertise and the opportunity to invest across a range of different investment firms.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount initially invested.

Equities do not provide the security of capital associated with a deposit account with a bank or building society.

Past performance is not a guide to future performance.

The value of property is a matter of the valuer's opinion and not fact.

Investment bonds

The St. James's Place Investment Bond offers a long-term, simple, yet flexible solution, allowing investors to spread their risk for income and aim for capital growth.

Investment bonds

Investment Bonds are long-term investment products which allow investors to spread risk and allow easy switching between funds as their needs change over time.

With low levels of interest being paid on bank and building society deposit accounts for some time now, many long-term investors are looking for a better return on their investments. They are also concerned that the income they receive will fail to keep pace with inflation.

The St. James's Place Investment Bond is one solution. It offers a simple yet flexible solution to income needs, capital growth and tax planning by offering access to a wide range of asset classes.

Why choose a St. James's Place Investment Bond?

  • Access Investment management services and fund management expertise, distinctive in the UK
  • Diversify investments and spread risk
  • Access a flexible range of options to take a regular, tax-efficient income
  • Freedom to switch funds easily as your needs change
  • Manage and potentially reduce your personal liability to tax
  • Minimal administration.

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.

Equities do not provide the security of capital associated with a deposit account with a bank or building society.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Please note that if the withdrawals taken exceed the growth of the Bond, the capital will be eroded.

Discretionary Fund Management

Rowan Dartington is the discretionary fund management and stockbroking arm of St. James's Place.

Discretionary Fund Management

Rowan Dartington is the discretionary fund management and stockbroking arm of St. James's Place.

Understanding that everybody is different, and every investment decision is a personal one, is integral to the way we think. We’re always considering the big picture, but we don’t let the small detail pass us by either.

When you use our discretionary fund management services, you’ll be assigned your own investment manager, who will focus on an individual plan for you.

It may be that you have an existing share portfolio which could benefit from a different management approach, or you might be looking for some additional diversification within your overall investment strategy.

We will create and manage a bespoke share portfolio, designed to match your risk profile and meet specific investment needs.

Our range of services includes facilities for those who want to realise proceeds from shareholdings, maybe for reinvestment into alternative tax-advantaged and professionally managed investment solutions.

Additional support is also available for investors who need help in managing tax liabilities on capital gains on the disposal of shares.

The value of an investment through Rowan Dartington and any income generated may fall as well as rise. You may get back less than the amount initially invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time and are dependent on individual circumstances.

Investing for income

Long term investors looking for income, have been seeking alternative homes for their capital since the 2007 financial crisis.

The value of money held on deposit has been impacted by inflation and investing for income is now more important than ever.

We offer a range of income solutions, investing across a range of asset classes, helping us to provide a diversified, personally tailored portfolio.

With interest rates at historic lows, investors could consider alternative sources of income:

  • Fixed Interest - corporate bonds and gilts offer the potential for increased income in times of low interest rates
  • Equities - while in the short-term equities can be volatile, history shows us that they have outperformed all other asset classes over the longer term and offer the potential for capital growth and rising income
  • Commercial Property - while the commercial property market offers an opportunity to achieve capital growth over the longer term, the primary return for investors is rental income. By securing long leases with financially secure tenants, commercial property could potentially offer attractive and sustainable income levels.

Diversification and expert management remain the keys to long-term success in challenging markets. The St. James's Place approach gives you access to investment expertise and the opportunity to invest across a range of different investment firms.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount initially invested.

Equities do not provide the security of capital associated with a deposit account with a bank or building society.

Past performance is not a guide to future performance.

The value of property is a matter of the valuer's opinion and not fact.

Investment bonds

Investment Bonds are long-term investment products which allow investors to spread risk and allow easy switching between funds as their needs change over time.

With low levels of interest being paid on bank and building society deposit accounts for some time now, many long-term investors are looking for a better return on their investments. They are also concerned that the income they receive will fail to keep pace with inflation.

The St. James's Place Investment Bond is one solution. It offers a simple yet flexible solution to income needs, capital growth and tax planning by offering access to a wide range of asset classes.

Why choose a St. James's Place Investment Bond?

  • Access Investment management services and fund management expertise, distinctive in the UK
  • Diversify investments and spread risk
  • Access a flexible range of options to take a regular, tax-efficient income
  • Freedom to switch funds easily as your needs change
  • Manage and potentially reduce your personal liability to tax
  • Minimal administration.

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.

Equities do not provide the security of capital associated with a deposit account with a bank or building society.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Please note that if the withdrawals taken exceed the growth of the Bond, the capital will be eroded.

Discretionary Fund Management

Rowan Dartington is the discretionary fund management and stockbroking arm of St. James's Place.

Understanding that everybody is different, and every investment decision is a personal one, is integral to the way we think. We’re always considering the big picture, but we don’t let the small detail pass us by either.

When you use our discretionary fund management services, you’ll be assigned your own investment manager, who will focus on an individual plan for you.

It may be that you have an existing share portfolio which could benefit from a different management approach, or you might be looking for some additional diversification within your overall investment strategy.

We will create and manage a bespoke share portfolio, designed to match your risk profile and meet specific investment needs.

Our range of services includes facilities for those who want to realise proceeds from shareholdings, maybe for reinvestment into alternative tax-advantaged and professionally managed investment solutions.

Additional support is also available for investors who need help in managing tax liabilities on capital gains on the disposal of shares.

The value of an investment through Rowan Dartington and any income generated may fall as well as rise. You may get back less than the amount initially invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time and are dependent on individual circumstances.

Offshore Investments

We offer a range of offshore solutions, designed for investors who wish to invest regularly, or as a one-off lump sum, into a range of asset classes and currencies.

Offshore Investments

Offshore investments are an attractive option when a parent has provided capital to a minor. They can also be a favoured choice for those who expect their marginal rate of tax to fall. Investors, entitled to an age-related allowance or expatriates investing while non-resident could also benefit from making offshore investments.

St. James's Place offers a range of offshore solutions, designed for investors who would like to invest regularly, or as a one-off lump sum.

Why set up offshore investments?

  • Maximise growth prospects
  • Spread risk
  • Enjoy access to a range of carefully selected and monitored Investment Managers
  • Choose a regular and predictable 'income'
  • Switch between funds easily
  • Reduce your personal liability to Income and Capital Gains Taxes

The information presented is based on existing legislation and HM Revenue & Customs practice. It does not amount to tax planning advice. Any potential investor who is unsure of their tax position is recommended to take advice before investing.

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 could therefore go down as well as up. You may get back less than you initially invested.

Currency movements may also affect the value of investments.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Growth and Income Portfolios

To help you choose investments that are appropriate to you, we have created risk-related Growth and Income Portfolios from our range of funds.

Growth and Income Portfolios

We recognise that choosing how to invest your money can seem daunting. To help you choose investments that are appropriate to you, St. James's Place have created risk-related Growth and Income Portfolios from our range of funds.

Growth Portfolios

Growth Portfolios are designed with the aim of helping investors build up the value of their wealth and achieve capital growth over the medium to long term.

They could be suited to those who might be, for example, investing for retirement or saving to pay future tuition fees.

There are six Growth Portfolios, with differing levels of risk.

Growth Portfolios
Income Portfolios
Income Portfolios

The Income Portfolios aim to generate an attractive and sustainable level of income. These Portfolios may be appropriate for investors looking to generate additional income for retirement. There are three Income Portfolios, with differing levels of risk.

Offshore Investments

Offshore investments are an attractive option when a parent has provided capital to a minor. They can also be a favoured choice for those who expect their marginal rate of tax to fall. Investors, entitled to an age-related allowance or expatriates investing while non-resident could also benefit from making offshore investments.

St. James's Place offers a range of offshore solutions, designed for investors who would like to invest regularly, or as a one-off lump sum.

Why set up offshore investments?

  • Maximise growth prospects
  • Spread risk
  • Enjoy access to a range of carefully selected and monitored Investment Managers
  • Choose a regular and predictable 'income'
  • Switch between funds easily
  • Reduce your personal liability to Income and Capital Gains Taxes

The information presented is based on existing legislation and HM Revenue & Customs practice. It does not amount to tax planning advice. Any potential investor who is unsure of their tax position is recommended to take advice before investing.

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 could therefore go down as well as up. You may get back less than you initially invested.

Currency movements may also affect the value of investments.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Growth and Income Portfolios

We recognise that choosing how to invest your money can seem daunting. To help you choose investments that are appropriate to you, St. James's Place have created risk-related Growth and Income Portfolios from our range of funds.

Growth Portfolios

Growth Portfolios are designed with the aim of helping investors build up the value of their wealth and achieve capital growth over the medium to long term.

They could be suited to those who might be, for example, investing for retirement or saving to pay future tuition fees.

There are six Growth Portfolios, with differing levels of risk.

Growth Portfolios
Income Portfolios
Income Portfolios

The Income Portfolios aim to generate an attractive and sustainable level of income. These Portfolios may be appropriate for investors looking to generate additional income for retirement. There are three Income Portfolios, with differing levels of risk.

The value of investments with St. James's Place will be directly linked to the performance of selected funds and these can fall as well as rise. You may get back less than the amount initially invested.

For more information, please feel free to Contact Us