St. James s Place Unit Trust Portfolios

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1 St. James s Place Unit Trust Portfolios Helping you meet your investment goals At St. James s Place we offer a comprehensive range of Unit Trusts to meet the needs of all investors whether you are looking for income, growth, or a combination of both. To help you decide which of these funds are most appropriate we have created three model portfolios, each designed to meet different investment objectives. You may feel that one of these is right for you or, of course, you may wish to select your own combination of funds. These portfolios are also available for investment through an Individual Savings Account (ISA). Monthly Income Portfolio The Monthly Income Portfolio may be suitable for investors seeking: A regular monthly income. Access to UK equity income funds managed by some of the UK s best fund managers. Reduced risk through investment in fixed interest and corporate bonds. Commercial Property exposure to offer a truly diversified portfolio. This portfolio aims to pay an attractive yield and gives investors the opportunity to achieve an income that rises over time, as well as providing the potential for capital growth. Equity income funds achieve this by investing in high quality, cash-generative companies that can deliver sustainable dividend growth over the longer term, supplemented by capital growth in the underlying value of the company shares. The St. James s Place Investment Committee believes that this portfolio of funds is suitable for investors who consider themselves as Medium Risk on the Guide to Choosing Your Attitude to Risk. 1

2 Fund (Fund Manager) Portfolio Split Asset allocation (as at December 2008) UK High Income (Invesco Perpetual) 40% Corporate Bond (Invesco Perpetual) 30% Equity Income (Schroder) 15% Property (Invista) 15% Fixed Interest & Cash 34% UK Equities 53% Property 12% North America 1% Global Growth Portfolio The Global Growth Portfolio will appeal to investors looking for: The prospect of inflation-beating capital growth over the medium to long term to maintain the real value of their savings. Investment in a range of international equity markets. A complementary spread of investment manager styles. This portfolio gives you access to a range of top managers who invest across a wide number of global markets and different asset classes. The portfolio aims to deliver capital growth over the medium to long term and consequently will have a relatively low yield. The St. James s Place Investment Committee believes that this portfolio of funds would suit clients who view themselves as Medium Risk on the Guide to Choosing Your Attitude to Risk. Fund (Fund Manager) Portfolio Split International (THSP) 30% Global (Newton) 30% Worldwide Opportunities (Polaris) 30% UK Growth (RWC Partners) 10% Asset allocation (as at December 2008) Cash & Fixed Interest 10% Emerging Markets 6% Pacific exc. Japan 6% UK 19% Japan 9% North America 24% Europe 28% 2

3 Growth & Income Portfolio The Growth & Income Portfolio is designed to meet the needs of investors seeking: A total return in excess of inflation over the medium to long-term achieved through a combination of income and capital growth Investment in a wide spread of asset classes and investment manager styles. This portfolio offers a balanced spread of UK and international equities as well as property and fixed interest investments. This is achieved through investment in a number of different funds, including those with an emphasis on equity income as part of a total return strategy and others with a bias towards capital growth. The St. James s Place Investment Committee believes that this portfolio of funds would suit clients who view themselves as Medium Risk on the Guide to Choosing Your Attitude to Risk. Fund (Fund Manager) Portfolio Split Asset allocation (as at December 2008) International (THSP) 15% UK High Income (Invesco Perpetual) 15% Equity Income (Schroder) 15% Corporate Bond (Invesco Perpetual) 15% Global (Newton) 14% Worldwide Opportunities (Polaris) 14% Property (Invista) 12% Cash & Fixed Interest 23% Emerging Markets 2% Property 10% UK 33% Pacific exc. Japan 3% Japan 4% Europe 13% North America 12% Investment Performance The table below shows the annual performance of the funds that comprise the three model portfolios. Discrete annual performance (%) 12 months ending Dec-08 Dec-07 Dec-06 Dec-05 Dec-04 Corporate Bond Acc Equity Income Acc International Acc UK High Income Acc Global Acc Worldwide Opportunities Acc Property Acc UK Growth Acc Source: Lipper. All figures are percentage growth on a bid to bid basis for accumulation units, net income reinvested. Please be aware that past performance is not indicative of future performance. The value of an investment may fall as well as rise. Returns on equities cannot be guaranteed. Equities do not include the security of capital characteristics of a deposit with a bank or building society. 3

4 The St. James s Place Range of Unit Trusts Unit Trust Investment Type Investment Manager Low Risk Cash Cash State Street Global Advisors Low/Medium Risk Alternative Assets Alternative Assets Barclays Global Investors Corporate Bond Fixed Interest Invesco Perpetual Cautious Global Equity & Fixed Interest Jupiter Asset Management Medium Risk Allshare Income UK Equity (Income) AXA Framlington Equity Income UK Equity (Income) Schroder Investment Management Ltd UK High Income UK Equity (Income) Invesco Perpetual Tracker UK Equity (Growth) Insight Investment Management Ltd UK & General Progressive UK Equity (Growth) Taube Hodson Stonex Partners Ltd Ethical Global Equity Aberdeen Asset Management Plc International Global Equity Taube Hodson Stonex Partners Ltd Global Global Equity Newton Investment Management Worldwide Opportunities Global Equity Polaris Capital Management Inc Property Commercial Property Invista Real Estate Investment Management Ltd Medium/High Risk UK Growth Specialist Equity RWC Partners North American Specialist Equity Reed, Conner & Birdwell, LLC Greater European Progressive Specialist Equity Taube Hodson Stonex Partners Ltd Far East Specialist Equity Aberdeen Asset Management Plc Continental European Specialist Equity S W Mitchell Capital Management LLP High Risk High Octane Global Equity Oldfield Partners & Thornburg Investment Management For further information on these funds, please contact your St. James s Place Partner. 4

5 St. James s Place Individual Savings Account How will charges and expenses affect my investment? The effect on an investment of 7,200 assuming growth of 7% a year, is set out below. The growth rate is not guaranteed. It is purely used for the purpose of demonstrating the effect of charges and expenses on an investment of 7,200. Please note that the figure of 7,200 has been used for illustrative purposes only. This table refers to income units on the Monthly Income Portfolio At end of year Investment to date Effect of deductions to date Total income to date What you might get back 1 7, , , , , , ,200 1,020 1,320 6, ,200 1,220 1,650 6, ,200 2,490 3,310 7,080 The last line in the table shows that over 10 years the effect of total charges and expenses would amount to 2,880. Putting it another way, this would have the same effect as bringing the illustrated investment growth from 7% a year down to 4.5%. How much will the advice cost? For arranging this plan and providing ongoing service throughout its term, we will provide our appointed representative s practice with direct remuneration and administrative services. These have been valued at in the first year. An additional amount of 0.25% of the bid value of the fund is paid on each anniversary. For example, if the fund was worth 7,200 we would pay 18,00, if the fund was worth 14,400 we would pay These amounts are paid out of the deductions shown and are included in the illustrations shown above. They depend on the size of your investment. 5

6 This table refers to accumulation units on the Global Growth Portfolio At end of year Investment to date Effect of deductions to date What you might get back 1 7, , , , ,200 1,390 8, ,200 3,090 11,000 The last line in the table shows that over 10 years the effect of total charges and expenses would amount to 3,090. Putting it another way, this would have the same effect as bringing the illustrated investment growth from 7% a year down to 4.3%. How much will the advice cost? For arranging this plan and providing ongoing service throughout its term, we will provide our appointed representative s practice with direct remuneration and administrative services. These have been valued at in the first year. An additional amount of 0.25% of the bid value of the fund is paid on each anniversary. For example, if the fund was worth 7,200 we would pay 18.00, if the fund was worth 14,400 we would pay These amounts are paid out of the deductions shown and are included in the illustrations shown above. They depend on the size of your investment. 6

7 This table refers to accumulation units on the Growth & Income Portfolio At end of year Investment to date Effect of deductions to date What you might get back 1 7, , , , ,200 1,340 8, ,200 2,970 11,100 The last line in the table shows that over 10 years the effect of the total charges and expenses would amount to 2,970. Putting it another way, this would have the same effect as bringing the illustrated investment growth from 7% a year down to 4.4%. How much will the advice cost? For arranging this plan and providing ongoing service throughout its term, we will provide our appointed representative s practice with direct remuneration and administrative services. These have been valued at in the first year. An additional amount of 0.25% of the bid value of the fund is paid on each anniversary. For example, if the fund was worth 7,200 we would pay 18.00, if the fund was worth 14,400 we would pay These amounts are paid out of the deductions shown and are included in the illustrations shown above. They depend on the size of your investment. These figures are only examples and are not guaranteed - they are not minimum or maximum amounts. What you get back depends on how your investment growth and on the tax treatment of your fund and your own tax position. You could get back more or less than this. All fund managers use the same rates of growth for projections but their charges vary. Do not forget that inflation will reduce what you could buy in the future with the amounts shown. Your plan will continue until you decide to withdraw your investment - the period over which the figures have been projected is illustrative only. 7

8 Members of the St. James s Place Wealth Management Group are authorised and regulated by the Financial Services Authority. The St. James s Place Partnership and the title Partner are the marketing terms used to describe St. James s Place representatives. St. James s Place UK plc: Registered Office St. James s Place House, Dollar Street, Cirencester, Gloucestershire, GL7 2AQ, United Kingdom Registered in England Number SJP2272-VR5 (02/09)

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