For a flexible and simple investment solution that allows you to spread risk, a St. James’s Place investment bond can be an excellent option.
An investment bond is an investment product for the long term. It allows you to spread your risk and also switch between funds as your goals and expectations change.
There have been low interest rates for some time now, which has led many investors to look for alternatives to the bank and building society deposit accounts, in the hope of achieving better returns. With interest rates now rising, keeping pace with inflation is another concern. While inflation can reduce the spending power of cash held on deposit, investing involves risk and returns are not guaranteed.
One simple, flexible solution is the St. James’s Place investment bond, which potentially meets income, capital growth and tax planning needs by offering access to a variety of asset classes.
Benefits of the St. James’s Place investment bond:
– Gives access to distinctive investment management services and expertise in fund management
– Spreads risk and diversifies investments
– Offers a range of regular, tax-efficient income options
– Allows for easy switching of funds
– Enables you to manage and potentially reduce your personal tax liability
– Requires minimal administration
Inflation can reduce the value of money held in cash, but investments are not guaranteed to keep pace with inflation and their value can fall as well as rise. You could get back less than the amount invested.
Please note that if the withdrawals taken exceed the growth of the Bond, the capital will be eroded.