Online Services User Guide Investor Return

Transcription

1 Onine Services User Guide Investor Return

2 1. INVESTOR RETURN The Investor Return section of the onine services website aows you to access information about your persona investment return from your St. James s Pace investments Investor Return Tab This section of the onine services website aows you to ook at the performance of a reportabe portfoio, pan or fund. The performance tab wi aso be avaiabe via the chart ink, and this wi ink to the specific performance for that reporting eve. Performance reporting is avaiabe for the St. James s Pace products beow: - Unit Trust/ISA/JISA - Retirement Pans - Onshore and Offshore Investment Bonds The foowing pans are not currenty incuded in the Investor Return tab: - FAB/PAB - SIPP - Protection products - Pans hed with other product providers (eg.vct/eis) Page 2 of 5

3 1.2. Reporting view When you have accessed the Investor Return tab, you wi have the option to seect the eve of reporting you woud ike to view. This can be at an overa, product, pan or fund eve. These are outined further beow. - Overa Leve this incudes a pans which are avaiabe for reporting. - Product eve - spit by either Investment or Retirement. - Pan eve shows performance of the pan seected. - Fund eve shows performance of the individua fund seected. Foowing your choice of reporting eve you wi need to press the update button to ensure the correct information is being shown. The reporting period shown wi be over 10 years, or from the point of initia investment if that is more recent Performance Charts Investment Vaue and Tota Investments ess Tota Withdrawas This chart provides an overview at a portfoio, product, pan or fund eve and is designed to show the daiy investment vauations versus an individua s tota investments ess withdrawas at the seected eve of reporting. We have used daiy fund prices aong with unit movements to cacuate the vaue on any given day. The tota investments ess withdrawas ine shown wi feature at portfoio, product or pan eve but wi not be shown at fund eve. The ine incudes cash fows into and out of an account, incuding reguar investments and ump sums. Page 3 of 5

4 Cumuative Tota Returns & Caendar Year Tota Returns These charts provide a performance overview at a portfoio, product, pan or fund eve. We have used both Caendar Year and Cumuative Tota Returns to show the performance over various time periods. The charts show the average annua return on your investments aowing for the timing and size of cash fows. In creating the tabe shown beow we use the starting vaue and the end vaue for a certain date range. We then use any transaction history in-between these two dates to cacuate the return, giving the average annua growth rate achieved over the period. Note for periods ess than 1 year, it is the tota return rather than the tota annua return that is dispayed Cumuative Investment Performance The chart beow shows the returns achieved on your portfoio, product, pan or fund. It iustrates the average performance of the underying funds hed on each day and how this has contributed to the overa return over time. The benefit of using this approach is that it isoates the performance of the underying fund managers from the effect that additiona investment, withdrawa and switching transactions have on the overa returns. Page 4 of 5

5 1.4. Reporting Basis In a reporting shown within the Investor Returns tab we show performance net of a charges, incuding initia charges and ongoing charge. Note that the performance cacuations for active investments assume the investment wi continue indefinitey and so any surrender charges that may appy as at the reporting date are not incuded System outage? The service is designed to be avaiabe from 2:00am unti midnight every day of the year*. In this way, you wi aways be abe to track the current situation of your investments and other hodings. *there wi be periods, however, when we have to take the service off-ine to do essentia maintenance work. St. James s Pace Internationa (SJPI) pan transaction data is updated on a monthy basis, as such there may be times when transactions are not yet being shown on the Investor Return tab. Any data being reported on wi be correct to the previous month end in respect of SJPI investments Advisory message Whist we have gone to great engths to ensure this information is as accurate as possibe, it is important to appreciate the compexity of the cacuations which are taking pace. Timeframe of investment is something which can affect returns; we woud suggest not using this too for investments which have been in existence for ess than 3 months, and it is ony over onger time periods of at east a year where the reporting gives a more accurate representation of investment performance Are there any restrictions on what I can access? You wi ony be aowed access to data that appies to hodings which you own, or if you are not the owner, ony that data which the owner has authorised you to have access to, consistent with the main weath account report accessed via the onine services website Further Information If you have any questions about the information shown, pease contact your St. James s Pace Partner. Aternativey you can contact us on: Teephone : Emai : cient.reports@sjp.co.uk Post : St. James s Pace Administration Centre, P.O. Box 9034, Chemsford, CM99 2XA Page 5 of 5