SJP Unit Trusts and Bonds
When you work with a St. James’s Place adviser, you get a full explanation of what various investment products are available – such as unit trusts and bonds – as well as exactly how they work.
You’ll have the clarity, confidence and certainty of knowing where your money is invested and why. You will also have confidence that your adviser is taking account of your circumstances, goals and risk appetite when offering guidance.
It’s good to know
What are unit trusts and bonds?
Unit trusts involve pooling your money with other investors. A fund manager invests in a portfolio of assets on everyone’s behalf.
An investment bond is a savings product which can be funded by one or more premiums. It can be written on a single life or multiple life basis and the sum assured will be paid out depending on the terms of the policy.
Unit trusts work really well if you are looking for medium to long term capital growth and income.
They’re often used as a core component of a Stocks and Shares ISA, but unit trusts have many uses. Any interest or dividends would be subject to income tax, whereas any capital gains would be subject to capital gains tax. This means they give you the flexibility to use your income tax personal allowances and your annual capital gains tax exemption. Parents and grandparents may also use them within a trust to contribute to a tax-efficient investment for children.
Investment bonds can give you regular payments and the potential for capital growth, and they are often used for tax-planning purposes.
They are simple, flexible and offer access to a wide range of asset classes.
Investing for the long term
Your long-term goals will be part of your investment strategy.
We’ll choose the right investment products, and set everything up so that you don’t pay any more tax than you need to. You’ll get a boost of confidence knowing your finances are in expert hands. It could be the best investment decision you ever make.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than the amount invested. An investment in equities will 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 generally dependent on individual circumstances.
*Please note that if the withdrawals taken exceed the growth of the Bond, the capital will be eroded.
Trusts are not regulated by the Financial Conduct Authority.
