In recent years, the value of money held on deposit has been impacted by changing interest rates and inflation. Consequently, long-term investing for income has become more important.

Alternative sources of income include:

• Fixed Interest - corporate bonds and gilts offer the potential for increased income, proving valuable even in elevated interest rate environments.
• Equities - while in the short-term equities can be volatile, history shows us that they have outperformed all other asset classes over the longer term and offer the potential for capital growth and rising income
• Commercial Property - while the commercial property market can achieve capital growth over the longer term, the primary return for investors is rental income. By securing long leases with financially secure tenants, commercial property can offer attractive, sustainable income levels.

Diversification and expert management remain the keys to long-term success in challenging markets. Through St. James's Place, we are able to offer our clients access to world-class investment expertise, plus the opportunity to invest across a range of different investment firms.

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 initially invested.

Equities do not provide the security of capital associated with a deposit account with a bank or building society.

Past performance is not a guide to future performance.

You cannot invest directly in commercial property through SJP.  If you invest in a fund, which holds property, you should note that this can be difficult to sell and we may have to delay acting up on your instructions to cash in the fund. The value of property is a matter of the valuer's opinion and not fact.