It’s beginning to feel a lot like Christmas! Yes, the festive season is here already and most welcome it is! We are all trying to keep Christmas as special as we can for our families and loved ones.

But after you have wrestled with the wrapping paper and you are hopefully able to enjoy a well-earned rest with a hot drink in hand, do take some time for yourself this holiday period to think about your finances. You need to ensure your savings are all wrapped up too – consider wrappers such as ISAs and Pensions which provide beneficial tax treatment to your hard earned savings.

Read our pdf to find out more. Christmas all wrapped up

The value of an investment with St. James’s Place will be directly linked to the performance of funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.

Please Note: An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a cash ISA.

The favourable tax treatment currently given to ISAs is subject to changes in legislation and may not be maintained in the future.