INVESTMENT PLANNING

We can help you to achieve your goals

The right investment strategy will help you to achieve your financial goals

Investment planning is designed to diversify your portfolio and there are many areas to consider. Whether you are investing a lump sum, regular amounts or reviewing an existing portfolio, an adviser will explain the different types of investments available to you as well as the benefits and risks. Your portfolio will be reviewed regularly to check that it is on track to meet your goals and we will advise you if we feel any changes are needed.

Investment planning opportunities we can advise on:

Investing for income – Interest rates are at historically low levels, so we can help you to consider alternative options. We offer a range of fixed interest, equity and commercial property funds to suit your goals and attitude to risk.

Growth and Income Portfolios – We offer investment portfolios designed to generate growth or income, taking into account your attitude to risk.

ISAs – A tax-efficient investment with the potential to generate long-term capital growth and income.

Junior ISA – A tax-efficient way to save for your children’s financial future and introduce them to the importance of saving.

Investment Bonds – Long-term investment products allowing you to diversify, switch funds and potentially reduce personal tax liability.

Unit Trusts – Medium to long-term investments with the potential for capital growth and/or income with the option to utilise the annual Capital Gains Tax exemption.

Onshore and Offshore Investment Bonds – Medium to long-term investments with the potential for capital growth and the option of tax-deferred income via partial withdrawals.*

Discretionary Fund Management – Working together with Rowan Dartington, the Discretionary Fund Management and Stockbroking arm of St. James’s Place, we can create and manage a bespoke share portfolio designed to match your risk profile and individual needs.

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 invested.

An investment in equities does 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. The value of any tax relief depends on individual circumstances.

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

Frequently asked questions

Investment planning allows you to potentially grow your wealth for greater financial rewards, by assessing your different investment options. You can set your end goals and feel comfortable knowing you are aware of the opportunities and risks.

Your Financial Adviser will work with you to ensure your portfolio is diverse. Having a diverse portfolio spreads your money across funds managed by different fund managers with different styles.

There is no definitive amount of how much of your income you should invest, as this decision is up to you. But before investing, you should set money aside to cover all your outgoings and expenses, and for emergencies.