SJP ISA and Unit Trust

When you invest with St. James’s Place you pay for our advice and the products we recommend.

These charges are set out below and you will receive a personalised illustration which sets out how these charges apply to your specific investment which your St. James’s Place Partner will discuss with you prior to you making an investment and incurring any of these charges.

Advice charges

We charge for our initial advice and for our ongoing advice. 4.5% of your initial investment will be used to pay for initial advice and an annual charge of 0.5% will be charged for the ongoing advice and the relationship with your adviser.

Product and fund charges

There will be an initial product charge of 0.5% of your investment. There will also be an ongoing charge that depends on the funds selected. Included within this charge is the fee that is paid to the investment manager for managing the investment funds.

Total charges

The total of these charges is therefore a charge of 5% of the initial investment and an ongoing charge that for a typical portfolio will be between 1.6% and 1.9%. The list of ongoing charges for all our available funds can be found to the right.

There are no charges for withdrawing money from your ISA or Unit Trust.

Transaction costs

Transaction costs occur when a fund’s manager buys or sells assets within the fund.

These are not charges, but rather your share of the inevitable external costs, such as stamp duty and bid/offer spreads on individual shares, that are incurred whenever assets are traded. The level of these costs is variable since it depends on the number and nature of the transactions made. Information on the level of estimated transaction costs is available here.

The information on this page describes the different types of charges and costs which may apply to your investment in St. James’s Place Unit Trusts. Further information about each of our Unit Trusts can be found in the Key Investor Information Documents and fund factsheets or by contacting your St. James’s Place Partner.

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.

SJP Approved 05/04/2024