“I’m confused! What exactly are bonds?!”

This is a question that we get A LOT. The term Bond is used for lots of different types of financial arrangements and because of this Bonds can mean many things to different people.

Read our PDF to find out more. What are bonds


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 and are dependent on individual circumstances.

Please note that if the withdrawals taken exceed the growth of the Bond, the capital will be eroded.