They are a way for you to commit money for a set period whilst potentially generating income.

Interest paid on money held within bank and building society deposit accounts will typically not keep pace with inflation. Many long term investors are not only looking for a better return on their money but also a return that has the potential to keep up with problematic inflation.

A St. James's Place Investment Bond could be one solution to this problem. 

Could it be right for you right now?

An investment bond might be for you if you're looking for a simple yet flexible solution to your income, capital growth and tax planning needs. 

Some of the main benefits of the St. James's Place Investment Bond are:

• You gain access to a wide choice of fund management expertise
• Your investments will be diversified and so your exposure to risk reduced
• You have access to a flexible range of options to take a regular, tax-efficient income
• You have the freedom to switch funds easily as your needs change
• It gives you the ability to manage and potentially reduce your tax liability 
• There is minimal administration involved
• It gives you access to a wide range of asset classes, as well as a range of benefits designed for simplicity and tax efficiency
  

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.  

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

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. 

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