Rugby Club Issue 72 - Page 23

ADVERTISING FEATURE
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Is your income suffering from record-low interest rates ?

Wealth management specialist Emma Stapley explores your options .

Income is important . It ’ s an obvious statement . The difficulty is that , in an uncertain world , investment income is hard to find right now . Investors looking for income have faced an increasing challenge ever since the financial crisis broke in 2008 . Prudence and vigilance became the order of the day as financial institutions across the globe took extreme measures to protect themselves from global meltdown .

Central Governments across the world also reacted strongly , forcing interest rates to record lows . Nine years on and interest rates in the UK remain almost non-existent . The result is real losses for savers in bank and building society deposits which fail to match inflation .
Investors wanting to secure a better level of income have realised that they must look beyond traditional cash deposits .
History shows that investing in equities , or shares , has provided investors with a better chance of outpacing inflation over the long term versus other asset classes , particularly if the shares are able to increase the dividend payments year after year . Positively , there are indications that the recent trend of increasing dividend payments could be sustainable .
With dividend payouts on the turn , the outlook for equity income funds could also be on the up . Equity income funds have a strong track record for delivering attractive , sustainable income and steady returns over the long term . But it is worth remembering that not all equity income funds are the same . Some are better for income , while others provide better prospects for total return investors through the reinvestment of income . St . James ’ s Place offers a range of equity income funds managed by investment managers with complementary styles .
Corporate bond funds which are , by their nature income producers , remain popular particularly with cautious investors . At St . James ’ s Place we firmly subscribe to the view that a diversified fixed interest strategy with exposure to investment grade , sub-investment grade and senior secured debt will help position your portfolio to benefit from growth across the credit spectrum .
Commercial property felt the full effects of the credit crunch and the fall in property values left many investors nursing significant losses . But again , history suggests that commercial property has a place in a portfolio for income investors . Its long-term track record is strong and , importantly , it offers returns that are lowly correlated to other asset classes . Investors should however note that investing in real asset classes ( equities , corporate bonds and commercial property ) does not provide the security of capital which is characteristic of a deposit account with a bank or building society .
Those investing for income need to remember that no one asset class is the panacea . With
As a Chartered Partner of St . James ’ s Place Wealth Management I have over 20 years ’ experience in the wealth management industry . I strive to provide the highest standard of personal service and quality advice to all of my clients .
Putting my clients firmly at the heart of everything I do enables me to run a genuinely client-focused business . In my experience , no two clients are the same and I therefore ensure that I understand your personal or business objectives and deliver solutions that are right for you .
Call 07795 951454 for more information or your complimentary guide to wealth management .
uncertainty around interest rates , a welldiversified , well-managed portfolio which blends a range of asset classes remains the most suitable strategy for investors to satisfy their longer-term income needs .
At St . James ’ s Place we believe that our ability to tailor solutions to an individual ’ s needs and attitude to risk means your income investments are in good hands .
EMMA STAPLEY
Partner
Mob : 07795 951454 Email : emma . stapley @ sjpp . co . uk
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 .
The Partner represents only St . James ’ s Place Wealth Management plc ( which is authorised and regulated by the Financial Conduct Authority ) for the purpose of advising solely on the Group ’ s wealth management products and services , more details of which are set out on the Group ’ s website www . sjp . co . uk / products . The title ‘ Partner ’ is the marketing term used to describe St . James ’ s Place representatives . Emma Stapley is a trading style of EJS Financial Services Ltd . www . rugbyclubmag . com 23 H2SJP26157 06 / 17
Tring A DV E RT I S I N G F E AT U R E Is your income suffering from record-low interest rates? Wealth management specialist Emma Stapley explores your options. I ncome is important. It’s an obvious statement. The difficulty is that, in an uncertain world, investment income is hard to find right now. Investors looking for income have faced an increasing challenge ever since the financial crisis broke in 2008. Prudence and vigilance became the order of the day as financial institutions across the globe took extreme measures to protect themselves from global meltdown. Central Governments across the world also reacted strongly, forcing interest rates to record lows. Nine years on and interest rates in the UK remain almost non-existent. The result is real losses for savers in bank and building society deposits which fail to match inflation. Investors wanting to secure a better level of income have realised that they must look beyond traditional cash deposits. History shows that investing in equities, or shares, has provided investors with a better chance of outpacing inflation over the long term versus other asset classes, particularly if the shares are able to increase the dividend payments year after year. Positively, there are indications that the recent trend of increasing dividend payments could be sustainable. With dividend payouts on the turn, the outlook for equity income funds ձͼѡ)ե䁥չ́ٔɽɅɕɐ)ȁٕɥɅѥٔх)ѕɕɹٕ́ȁѡѕɴ ЁЁ)ݽѠɕɥѡЁЁե䁥)չ́ɔѡͅMɔѕȁȁ)ݡѡ́ɽ٥ѕȁɽ́ȁѽх)ɕɸٕѽ́ѡɽ՝ѡɕٕѵ)Mи)ϊéÁɅ)ե䁥չ́䁥ٕѵ)́ݥѠх展̸) Ʌєչ́ݡɔѡ)ɔɽՍ̰ɕձ)ѥձɱݥѠѥٕ́ѽ̸)Mи)ϊéAݔɵՉ͍ɥѼѡ٥)ѡЁٕͥᕐѕɕЁɅѕݥѠ)ɔѼٕѵЁɅՈٕѵ)Ʌ͕ȁ͕ɕЁݥͥѥ)ȁљѼЁɽɽѠɽ)ѡɕЁմ) ɍɽ䁙Ёѡձ́ѡ)ɕЁչѡɽمՕ)Ё䁥ٕѽ́ͥͥЁ̸͕) Ёѽ՝́ѡЁɍ)ɽ䁡́љȁ)ٕѽ̸%́ѕɴɅɕɐ́ɽ)хѱ䰁Ё́ɕɹ́ѡЁɔ)ݱ䁍ɕѕѼѡȁ͕Ё̸͕%ٕѽ)͡ձݕٕȁєѡЁٕѥɕ)͕Ё͕̀եѥ̰Ʌє́)ɍɽ䤁́Ёɽ٥ѡ)͕ɥ䁽хݡ́Ʌѕɥѥ)ͥЁչЁݥѠȁեͽ)Q͔ٕѥȁѼɕ)ѡЁ͕Ё́́ѡ]Ѡ)55MQA1d)Aѹ)5Ԁ)聕хͩլ)́ ѕɕAѹȁ)Mи)ϊéA]Ѡ5)$ٕٔȀ啅ϊdɥ)ѡݕѠЁ)$ɥٔѼɽ٥ѡ)хɐͽ͕٥)Յ䁅٥Ѽ䁍̸)Aѥ䁍́ɵ䁅Ёѡ)ٕѡ$́Ѽո)ե䁍е̸͕ͥ)%䁕ɥݼ́ɔ)ѡͅ$ѡɕɔɔѡ)$չхȁͽ)ͥ́ѥٕٕ́)ͽѥ́ѡЁɔɥЁȁԸ) ԀЁȁɔ)ɵѥȁȁх)եѼݕѠи)չх䁅ɽչѕɕЁɅѕ̰ݕ)ٕͥݕљݡ)́Ʌ͕Ё͕́ɕ́ѡ)եхɅѕ䁙ȁٕѽ́Ѽͅѥ͙ѡ)ȵѕɴ̸)ЁMи)ϊéAݔٔѡ)ȁѼхȁͽѥ́Ѽ)٥Յé́ѥՑѼɥͬ)́ȁٕѵ́ɔ)̸)QمՔٕѵЁݥѠMи)ϊe)Aݥɕѱ䁱Ѽѡəɵ)ѡչ́ԁ͕ЁѡمՔ)ѡɕɔݸ́ݕ́eԁ䁝)́ѡԁٕѕ)QAѹȁɕɕ͕́Mи)ϊéA]Ѡ5Ёݡ́ѡɥ͕ɕձѕѡ ՍЁѡɥ䤁ȁѡ͔٥ͥͽ䁽ѡɽÊéݕѠ)ɽՍ͕́٥̰ɔх́ݡɔ͕ЁЁѡɽÊéݕͥєܹͩլɽՍ̸QѥѱaAѹˊd́ѡɭѥѕɴ͕Ѽ͍ɥMи)ϊéAɕɕ͕хѥ̸ٕ)Mх䁥́Ʌ屔)LM٥́1ѐ)ܹ՝危Չ() M)@܀ؼ