To help you achieve your financial goals St. James's Place has created separate Growth and Income portfolios. These are separated into further categories depending on your attitude to risk.

Growth Portfolios

A Growth Portfolio could be ideal:

• If you’re aiming to achieve capital growth over the medium to long term
• If you’re wanting to invest for your retirement
• If you’re looking to grow your money to pay or help with future school or university fees  
  

Income Portfolios

An Income Portfolio could be ideal:

• If you’re looking to generate additional income for retirement
• If you want attractive and potentially sustainable additional income right now
• If potential capital growth and rising income is a medium to long term goal
  

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 invested.

If the income taken exceeds the growth, the capital will be eroded.