Investment Planning

Helping you to secure
financial peace of mind

Using your money to
securepreservedevelopcreatebuild

for tomorrow

Handpicked financial plans to help you reach your life goals.

Our clients often have goals they wish to reach but don’t know where to start. That’s where we come in.

Our investment planning helps clients make their money work for them, whether they’re aiming to build an income, secure their future or help support a loved one. Our advisers create a bespoke investment strategy for each client, specific to individual circumstances. Our range of investment solutions and ongoing services has been carefully selected to help you reach your financial goals.

The value of investments with St. James's Place will be directly linked to the performance of selected funds and these can fall as well as rise. You may get back less than the amount initially invested.

How we work

As we live longer, planning for 100-year lifetimes could become crucial in helping to secure financial wellbeing in a world worth living in.

We recognise that everyone’s financial journey is different, that's why our approach to financial and investment planning is based on your individual goals.

To understand these goals and provide peace of mind throughout your
life, we work with you across three phases:

Plan

A clear plan is key in helping you meet your longer-term goals, such as a comfortable retirement.

Design

Designing an investment portfolio that considers your time horizon, your attitude to risk and your capacity for risk.

Review

Helping you stay on track to reach your goals through changing markets and personal circumstances.

The value of investments with St. James’s Place will be directly linked to the performance of selected funds and these can fall as well as rise. You may get back less than the amount initially invested.

Sustainable Investing

Investing your money to make a difference

Investing in their future

Looking at the options you have to help save for your children

Investing in ESG

Find out how ESG could diversify your portfolio

Going Green

Want to make a positive impact with one easy change?

Financial well-being in a world worth living in

 

Increasing our consideration of environmental, social and governance (ESG) issues help us better assess company’s long-term risks, opportunities, and the consequences of their activities on the world. SJP have been given an A+ by the Principles for Responsible Investment.

 

Responsible investing is about using money as a force for good, by taking environmental, social and corporate governance (ESG) issues into consideration, to create a better future for all.

 

Responsible investing does not have to mean sacrificing returns on your money, rather, can be a key metric when looking at a company’s future potential. As shareholders demand action, the need for companies to consider their impact on the planet grows, as does the consequences for those companies that fail to adapt.

 

When putting responsible investing into practice, fund managers – the people that manage our funds – focus on three key factors: environmental, social and corporate governance (ESG). Put simply: planet, people and fair play. These factors are used to assess how companies behave and manage their impact on the world.

 

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.

How can I invest for my children?

 

It costs a couple £160,692 to raise a child to 18 (LV, 2022). With stagnant wage growth and low interest rates, many parents feel squeezed to make ends meet, let alone think about funding future costs like university or a housing deposit. But saving for your kids need not break the bank and could make a huge difference to their future.

 

The tax-friendly Junior Individual Savings Account (JISA) is a very attractive option.

Any returns are free from Income Tax and Capital Gains Tax and savers can typically make regular or one-off payments up to the current annual limit of £9,000. Money held in a JISA is locked in until the child reaches 18, after which the funds can be accessed or it can be converted into an adult ISA and continue to enjoy the same tax advantages.

 

Less well-known, is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600.

 

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 and are generally dependent on individual circumstances.

 

Services Discussed 

In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.

Online registration:

Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.

Set your preferences:

Set your communication preferences to receive your digital reports and electronic correspondence.

Self-service:

Make online debit card payment for ISA and any JISA top ups with a debit card

linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of

this valuation. Instant notifications when a new document is available to view.

For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.

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 favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Investing in their future:

Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600

What we offer

ISA

Individual savings accounts (ISAs), are a tax-friendly investment that let you save up to £20,000 per tax year without paying any income tax and capital gains tax on what you earn. We help our clients to find the right type of ISA and get the most out of their investment.

Junior ISA - JISA

Junior ISAs are a great way to put money away for a child’s future. The tax advantages and flexibility they provide make them the first option for many savers, as any returns are free from Income Tax and Capital Gains Tax and savers can typically make regular or one-off payments up to the current annual limit. Money held in a Junior ISA is locked in until the child reaches 18, after which your child has access to the funds or it can be converted into an adult ISA and continue to enjoy the same tax advantages.

Unit Trusts

Unit trusts provide a range of solutions and the potential for medium-to-long-term capital growth and income. A unit trust is a collective investment vehicle in which fund managers are responsible for investing your money, which is pooled with funds from other investors. Our advisers help clients to pick the right trusts and the right fund managers for their risk appetite, giving clients the confidence that their money is where they want it to be.

Investment Bonds

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. That means identifying your short and long-term objectives, selecting the most appropriate investment products, and undertaking the right planning at the right time.

VCT

Venture Capital Trusts (VCTs) enable our clients to indirectly invest in a range of small, higher-risk trading companies, whose shares and securities are not listed on a recognised stock exchange. By investing through VCTs, our clients can spread investment risk over a number of companies.

EIS

The Enterprise Investment Scheme (EIS) is a UK government scheme that started in 1994 and helps younger, higher-risk businesses raise finances by offering generous tax reliefs to investors. 

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 favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

EISs and VCTs generally invest in small UK companies, as such there is a risk that any of these may not perform as originally hoped and in some cases, may fail completely. These types of investments are therefore only suitable for those willing to take a high level of risk with their capital. The legislation surrounding EISs/VCTs and as a result their tax treatment, are subject to individual circumstances, may change in the future and could apply retrospectively.

For more details about services that we offer reach out to us on 01202 695801, or click the button below.

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