Investment Planning
It is always important to consider investment as a strategy to help you meet your longer-term goals. With our help we can help you establish a balance between your short term needs and longer-term objectives. We will then construct an investment strategy and portfolio designed to help you achieve these goals.
Throughout your investment journey you will receive ongoing support, advice and regular investment reviews from our practice as well as benefiting from the expertise of St. James’s Place.
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.
An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society.
Since being introduced in 1999, ISAs have proved one of the most popular and tax-efficient ways to save and invest for the future. ISAs form the cornerstone for most investment strategies and provide a straightforward, tax efficient solution to help you save for the future.
The ISA allowance remained at £20,000 for the tax year 2024/25, and the changes from July 2014 now allow full flexibility in the use of cash and investments within the overall annual limit.
St. James’s Place draw on the expertise of some of the world’s top investment professionals to manage their ISA funds, and match the risks you are prepared to take with a well-diversified and balanced portfolio to create an appropriate strategy to aim for income or capital growth. Through regular reviews we adjust the mix to reflect changing needs and markets.
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 given to ISAs is subject to changes in legislation and may nor be maintained in the future.
Discretionary Fund Management is when an investment professional known as a Discretionary Fund Manager (DFM) builds and manages a portfolio of investments on your behalf.
Rowan Dartington is the wholly owned discretionary fund management and stockbroking arm of St. James’s Place, and provides a range of additional, complementary wealth management services.
You may have an existing share portfolio that might benefit from a different and professional management approach, or you may be seeking additional diversification within your overall investment strategy.
The range of services also includes facilities for those who want to realise proceeds from shareholdings, perhaps for reinvestment into alternative tax-advantaged and professionally managed investment solutions. Additional support is available for investors who need help in managing tax liabilities on capital gains on the disposal of shares.
The value of an investment with Rowan Dartington may fall as well as rise. 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.
Whether you are looking to invest for capital growth, a regular income or maybe you have concerns over inheritance and income tax. We will provide you with the quality advice and a wide range of investment solutions to help you achieve your future financial goals. Options range from unit trust, offshore bonds and tax advantaged investments. Whatever your objective we will work with you to put together a bespoke solution to meet your needs.
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.
