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.