SJP Managing your investments
Investments on their own aren’t enough. If you want to achieve your financial goals – whatever they may be – you’re going to need the right investment strategy.
Maybe you want to go for growth and increase your wealth, or perhaps you’re looking for an income from your assets. Whatever you need, we can help.
Investments that work for you
A personal investment strategy keeps your short- and long-term goals in sharp focus. Crucially, we’ll ensure this strategy stays right for you with regular reviews.
You can rely on us to select the right blend of investment products for the job and set everything up so you pay no more tax than you need to. With our range of investment solutions, you’ll have a better chance of achieving your goals.
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ISAs explained
Read more about ISAs
Individual Savings Accounts (ISAs)
ISAs form the core of most investment portfolios and provide a simple, tax-efficient way to save for the future.
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Junior ISAs
Read more about Junior ISAs
Junior ISAs
Our Junior ISA provides a flexible and tax-efficient way to build a nest egg for younger family members which they won’t be able to touch until they turn 18.
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Unit trusts
Find out more about unit trusts
Unit trusts
Unit trusts work really well if you are looking for medium- to long-term capital growth and income.
Unit trusts have many uses. They can, for example, give you the flexibility to use your annual capital gains tax allowance and/or your personal savings allowance in respect of interest paid and/or your dividend allowance in respect of dividends.
Parents and grandparents may also use them to invest for children/grandchildren although advice in relation to the tax implications will be key.
Although anyone can contribute to a unit trust for a child only the parent/legal guardian can open the unit trust for them.
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Investment bonds
Discover more about bonds
Investment bonds
Investment bonds can provide you with tax deferred regular withdrawals and the potential for capital growth, and they are often used for investing within trusts.
They are simple, flexible and offer access to a wide range of asset classes.
Trusts are not regulated by the Financial Conduct Authority.
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Offshore investments
Offshore investments
Offshore investments can be really helpful for some investors.
For example, if you’re expecting your tax rate to fall or you are planning to live outside of the UK at some point in the future.
Our range of international investments offers a solution for investors wanting to invest regularly or by a lump sum, and provides access to a range of asset classes and currencies.
Currency movements may also affect the value of investments.
Individual Savings Accounts (ISAs)
ISAs form the core of most investment portfolios and provide a simple, tax-efficient way to save for the future.
Junior ISAs
Our Junior ISA provides a flexible and tax-efficient way to build a nest egg for younger family members which they won’t be able to touch until they turn 18.
Unit trusts
Unit trusts work really well if you are looking for medium- to long-term capital growth and income.
Unit trusts have many uses. They can, for example, give you the flexibility to use your annual capital gains tax allowance and/or your personal savings allowance in respect of interest paid and/or your dividend allowance in respect of dividends.
Parents and grandparents may also use them to invest for children/grandchildren although advice in relation to the tax implications will be key.
Although anyone can contribute to a unit trust for a child only the parent/legal guardian can open the unit trust for them.
Investment bonds
Investment bonds can provide you with tax deferred regular withdrawals and the potential for capital growth, and they are often used for investing within trusts.
They are simple, flexible and offer access to a wide range of asset classes.
Trusts are not regulated by the Financial Conduct Authority.
Offshore investments
Offshore investments can be really helpful for some investors.
For example, if you’re expecting your tax rate to fall or you are planning to live outside of the UK at some point in the future.
Our range of international investments offers a solution for investors wanting to invest regularly or by a lump sum, and provides access to a range of asset classes and currencies.
Currency movements may also affect the value of investments.
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 invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.
It’s good to know
Our funds are managed by some of the world’s leading fund managers.
We’ll work with you to build a well diversified portfolio that takes your needs and attitude to risk into account.
Our service doesn’t stop when you start investing. Regular reviews with your adviser allow us to tweak your portfolio as your needs, or market conditions, change.
Discretionary and Stockbroking Services
You’re an investor with a clear idea of what you want. Or you’d like to totally delegate control of your investments.
Sound like you? If so, you’ll appreciate our Discretionary Service. Opt for this, and a dedicated Investment Manager will create a bespoke portfolio and manage it for you. Your St. James’s Place adviser will work with them to ensure your discretionary portfolio dovetails with your other investments.
The value of your investment can go down as well as up. You could get back less than you invested.
Quarterly Updates
Check out our Quarterly Updates looking at performance over a rolling five-year period, by clicking on the links below:
