Junior ISAs, or JISAs, are an excellent way to secure your children’s financial future. Like standard ISAs, any growth is exempt from Capital Gains Tax and Income Tax. There are two types of JISAs: the Junior Cash ISA and the Junior Stocks and Shares ISA. By starting a Junior Stocks and Shares ISA early, your children can benefit from compound interest over a longer period, significantly enhancing their savings.

For expert advice on setting up an ISA or JISA, get in touch with our experienced PW & Partners Financial Advisers in Edinburgh. We can guide you through the best financial strategies to secure your future and your family’s future. Contact us today to get started!

The value of a JISA 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 JISA will not provide the same security of capital associated with a Cash ISA. The favourable tax treatment of JISAs may not be maintained in the future and is subject to changes in legislation.

Cash JISAs are not available through St. James’s Place.

Unit Trusts and Investment Bonds are popular investment options for many reasons. Here’s a quick rundown:

Unit Trusts

Unit Trusts pool your money with other investors’ funds. A professional fund manager then invests this collective sum into a diversified portfolio of assets on behalf of everyone involved. This can include stocks, bonds, and other securities.

Investment Bonds

Our SJP Investment Bond offers a comprehensive range of investment funds, providing opportunities for capital growth and income generation that match the level of risk you feel comfortable with. It’s flexible too and you have the freedom to switch in and out of funds as your needs change over time, without incurring any tax. This provides the ability for you to be invested in funds that match your life goals and circumstances, however they may evolve. The St. James’s Place Investment Bond has been designed for investors who will use it for a period of at least six years.

Offshore & International Investments

We provide expert guidance and comprehensive solutions for offshore and international investments. Our services are designed to help you diversify your portfolio, optimise tax efficiency, and achieve your financial goals through strategic global investment opportunities.

Why Consider Unit Trusts?

• Medium to Long-Term Growth: Unit Trusts are great for those seeking medium to long-term capital growth and income.
• They are fully accessible
• Core ISA Component: They can be used each tax year to fund your ISA, moving the money into a more tax efficient environment.
• Tax Benefits: Interest or dividends earned are subject to income tax, while any capital gains are subject to capital gains tax. This allows you to make the most of your income tax personal allowances and annual capital gains tax exemption.
• Family Investments: Parents and grandparents can use unit trusts within a trust to create a tax-efficient investment for children, providing a smart way to secure their financial future.

Why Consider Investment Bonds?

• Regular Payments and Growth: Investment bonds offer regular payments and potential for capital growth, making them a popular choice for tax planning.
• Flexibility: These bonds are straightforward and flexible, providing access to a diverse range of asset classes. This makes them an appealing option for those seeking a balanced and versatile investment strategy.

For personalised financial guidance and to explore the best investment options for your needs, get in touch with our expert PW & Partners Financial Advisers in Edinburgh today. We’re here to help you make informed decisions and achieve your financial goals. Contact us to start planning your financial future!

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 you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is 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

What are Discretionary and Stockbroking Services

Discretionary Fund Management: Think of this as having a dedicated financial professional in your corner, handling all the detailed investment decisions and trades on your behalf. With a clear understanding of your financial goals and risk tolerance, your investment manager ensures everything aligns perfectly with your objectives. This service focuses on you and your wealth.

Discretionary and Stockbroking Services: These services are ideal for investors who either have a clear vision of their investment strategy or prefer to fully delegate control of their investments. Provided by Rowan Dartington, a firm wholly owned by the St. James’s Place, these bespoke services specialise in discretionary management and stockbroking.

How It Works:

• Discretionary Service: A dedicated Investment Manager from Rowan Dartington will collaborate with you to create a portfolio tailored to your needs. They will manage it on your behalf, ensuring alignment with your financial goals. Your St. James’s Place adviser will work alongside them to integrate your discretionary portfolio with your other investments.
• Stockbroking Services: Rowan Dartington provides advice on individual investments, including direct equities, while you maintain control over your portfolio. Alternatively, if you know exactly what you want to buy and sell, Rowan Dartington’s stockbroking team can provide a straightforward dealing service.

Benefits:

• Access to a wide range of investment assets, including direct shares.
• Personalised portfolio design considering your investment needs and personal preferences, possibly including the Responsible Investing Bespoke Portfolio Service.
• Our Capital Gains Tax Service helps manage your annual allowances and reduce tax liabilities.
• Assistance in passing on your wealth tax-efficiently.
• Specialist lending facilities secured against eligible assets in your portfolio.

You can also consolidate assets from other providers where appropriate, including cherished holdings, under RD’s Discretionary or Stockbroking Services. This centralisation not only simplifies management but allows us to offer a more personalised and dedicated service.

For personalised financial guidance and to explore the best investment options for your needs, reach out to us today. Our expert PW & Partners Advisers here in Edinburgh are here to help you make informed decisions and achieve your financial goals. Contact us now to get started!

The value of an investment with Rowan Dartington or St. James’s Place can fluctuate, and 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 is dependent on individual circumstances.