If you want to achieve your financial goals – whatever they may be – you are going to need the right investment strategy. Just investing isn’t enough.
You might want to grow your wealth or generate an income from the money you already have; quite possibly you may need a combination of the two. Whatever you need, we can help.
With our advice, investment solutions and regular reviews, you can help secure your financial future.
The St. James’s Place range of funds and services make it easy to spread your investments across a wide range of asset classes, providing a diversified portfolio which aims to balance the highs and lows of stock market volatility.
Even better, the sheer diversity of SJP’s fund managers lets you mix things up even more and introduce different investment styles to help further reduce your risk.
Furthermore, St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any products and services, which are set out on the Group’s website. (Link: https://www.sjp.co.uk/products-and-services/products-and-services).
If you have specific investment requirements or know what you want, then we can provide access to Rowan Dartington, the Discretionary Fund management and Stockbroking arm of St. James’s Place, which is wholly owned by the St. James’s Place Group. They can help you build a fully bespoke investment portfolio.
To keep things simple, St. James’s Place has also created a selection of growth and income portfolios.
When we’re working together to design your plan, we’ll think about both your short- and long-term goals, choose the right investment vehicles for the job, and set everything up so that you don’t pay any more tax than you need to.
The value of an investment with St. James’s Place or Rowan Dartington may fall as well as rise. You may get back less than you invested.
Why not get in touch and arrange an appointment to speak about your Financial Education needs?
In a nutshell, ISA investing is a simple and straightforward way to save and plan for the future you want.
The power of an ISA is that when you take your money out, there is no income tax or Capital Gains Tax to pay on the growth – this is a huge advantage for long term investors.
ISAs (Individual Savings Accounts) are simple, straightforward savings accounts. They’re popular because they’re easy to open, transfer and draw on when you need to.
But the best by far is that money in any type of ISA is sheltered from any further liability to income or capital gains tax. Which means that if you open a Stocks and Shares ISA you won’t pay Capital Gains Tax on any money your investments make. And if you draw on your ISA for income, you won’t pay any Income Tax on that either.
If you’re saving for your future – whether that’s for next year’s holiday or putting your feet up and retiring in 20 years’ time – ISA investing makes a lot of sense.
ISAs are savings accounts, rather than investments in their own right. You have the flexibility to take money out. In a nutshell, ISA investing is a simple and straightforward way to save and plan for the future you want.
The main watch-out is that the Government puts a cap on how much you can put into your ISA or ISAs in any tax year (from 6 April – 5 April). This is known as the ISA allowance, which in 2023/24 is set at £20,000.
You can choose how much or little of this allowance you want to invest each year but do bear in mind, you can’t ‘carry it over’ to the next year. When it’s gone, it’s gone.
Money that you put into a Stocks and Shares ISA, also called an Investment ISA, can be invested in a range of funds, from company shares to government or corporate bonds, property, or other assets. Because you’re invested in the stock market, your money can potentially make more money than if you received interest from a Cash ISA or savings account. Whatever you make, you won’t be taxed on it.
If you are prepared to invest for the mid- to long-term, Stocks and Shares ISAs are a great way to save for future goals. The longer you leave your money invested, the better chance it has compared to money held in a Cash ISA or bank savings account.
The value of an ISA 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 you invested. An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a Cash ISA.
The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
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. They can, for example, give you the flexibility to use your annual Capital Gains Tax allowance. Parents and grandparents may also use them within a Trust to contribute to an investment for children.
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 dependent on individual circumstances.
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 are 18.
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 favourable tax treatment given to ISAs and JISAs may not be maintained in the future as they are subject to changes in legislation.
Investment Bonds can give you a regular income 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.
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 dependent on individual circumstances.
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.
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 dependent on individual circumstances.
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.
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.
To arrange a meeting, call us on 07770 361 292. Or send us your contact details and we will get back to you.