FUND PROFILE - St. James's Place Wealth Management Fund Profile Booklet.pdf · ANNUAL DISTRIBUTION...

F U N D P RO F I L E

( F O R M I N G PA RT O F T H E K E Y F E AT U R E S D O C U M E N T )

1

C O N T E N T S

St. James’s Place Unit Trust Fund Profiles

Corporate Bond 2Equity Income 4UK High Income 6Ethical 8Far East 10Greater European Progressive 12International 14North American 16Tracker 18UK & General Progressive 20Property 22Global 23UK Growth 24Worldwide Opportunities 25Cautious 26Continental European 27

Monthly Income Portfolio 28Global Growth Portfolio 28Growth & Income Portfolio 29Glossary 29Notes 29

PAG E

2

S T. J A M E S ’ S P L AC E C O R P O R AT E B O N D U N I T T RU S T

I N V E S T M E N T A DV I S E R : Wellington Management Company LLP;Louis Chabrier & Haluk Soykan

I N V E S T M E N T O B J E C T I V E S A N D P O L I C Y:

The objective is to maximise the long term return in sterling from capital and net income combinedby investment in a portfolio consisting mainly of bonds issued by EU companies, including UKcompanies.The aim of the Trust is to give the optimum balance between security and totalreturn.The Trust Deed for the Trust requires that not less than 20% of the Trust’s property must beinvested in United Kingdom securities.

T H E T RU S T ’ S P E R F O R M A N C E :

The cumulative performance of the Trust over the 10 year period from 31 July 1997 is shown below.

The chart below compares the Annual Growth Rate for the Trust over 10 years from 31 July 1997.

Source: Lipper Hindsight Basis: Bid to Bid Net Income Re-invested

Past performance should not be seen as an indication of future performance.The price of units and the income from them may go down as well as up.


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10

0

20

30

40

50

60

70

80

St. James’s Place Corporate Bond (PEP & ISA)St. James’s Place Corporate Bond

Perf

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ance

(%)

July2000

July1998

July2002

July2004

July2001

July2003

July2005

July2006

July2007

July1999

July1997

Ann

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-4

St. Jamesís Place Co rporate Bond (PEP & ISA)

10

8

6

4

2

0

-2

12

98 - 99 99 - 00 00 - 01 01 - 02 02 - 03 03 - 04 04 - 05 05 - 06

97 - 98 06 - 07

St. James’s Place Corporate Bond



3

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 23 August 1995

A N N UA L D I S T R I B U T I O N DAT E S : 31 August30 November28 February31 May Final

C H A R G E S A N D OT H E R I N F O R M AT I O N :

Annual Management Charge 1.25%

Initial Charge 3.75%

Total Expense Ratio (including Annual Management Charge) 1.47%

Portfolio Turnover Rate 277%

Duration 7.20

N OT E S :• The manager is currently able to reclaim tax credits on behalf of Investors who hold the

Corporate Bond Unit Trust within a PEP or ISA, therefore the fund performance figures for netincome and gross income (both re-invested) are shown in respect of this Trust.

• The Annual Management Charge is taken from the capital property of the Scheme; this has theeffect of contraining growth.

4

S T. J A M E S ’ S P L AC E E QU I T Y I N C O M E U N I T T RU S T

I N V E S T M E N T A DV I S E R : Schroder Investment Management Limited; Nick Purves


The objective is to achieve a level of income in excess of the average yield of the stocks comprisingthe FTSE All-Share IndexTM and to achieve capital growth over the medium to long term. It isintended that the Trust will be invested in equities in UK and EU companies.There are no specificrestrictions on the investment of the Trust including as to economic sector or geographical area,except as set out in the Prospectus and as provided in the Regulations.


The cumulative performance of the Trust over the 10 year period from 31 July 1997 compared withthat of the FTSE All-Share IndexTM is shown below.

The chart below compares the Annual Growth Rate for the Trust over 10 years from 31 July 1997with that of the FTSE All-Share IndexTM.



S T. J A M E S ’ S P L AC E E QU I T Y I N C O M E U N I T T RU S T V S F T S E A L L - S H A R E I N D E X T M

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FTSE All-Share Index TMSt. James’s Place Equity Income

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100

80

60

40

20

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120

140

160

July2000

July1998

July1997

July2002

July 2004

July2001

July2003

July2005

July2007

July2006

July1999

Perf

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ance

(%)

-30.0

FTSE All-Share Index TMSt. James’s Place Equity Income

30.0

20.0

10.0

0

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-20.0

97-98 98-99 99-00 00-01 01-02 02-03 03-04 05-06 06-0704-05

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S T. J A M E S ’ S P L AC E E QU I T Y I N C O M E U N I T T RU S T V S F T S E A L L - S H A R E I N D E X T M


5

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 21 January 1997

A N N UA L D I S T R I B U T I O N DAT E S : 30 April31 July31 October 31 January Final



Initial Charge 5%



N OT E S :• The past performance for this Unit Trust is shown with the comparable performance of the

FTSE All-ShareTM. Given that the objectives are related to the FTSE All-Share IndexTM, we haveincluded a comparison to it.

• The Annual Management Charge is taken from the capital property of the Scheme; this has theeffect of constraining growth.

6

S T. J A M E S ’ S P L AC E U K H I G H I N C O M E U N I T T RU S T

I N V E S T M E N T A DV I S E R : Invesco Perpetual; Neil Woodford


The aim of the Trust is to achieve a level of income in excess of the average yield of the stockscomprising the FTSE All-Share IndexTM whilst also aiming to maximise capital appreciation. It is theintention to achieve these aims by investment in United Kingdom equities (in ordinary shares andwhen appropriate by investment in convertible stocks and fixed interest securities).



The chart below compares the Annual Growth Rate for the Trust over 10 years from 31 July 1997 withthat of the FTSE All-Share IndexTM.



S T. J A M E S ’ S P L AC E U K H I G H I N C O M E U N I T T RU S T V S F T S E A L L - S H A R E I N D E X T M

July1999

July1997

July1998

July2000

July2002

July2004

July2006

-50July2001

July2003

July2005

FTSE All-Share Index TMSt. James’s Place UK High Income

July2007

0

50

100

150

200

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Ann

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-30.0

FTSE All-Share Index TMSt. James’s Place UK High Income

-20.0

-10.0

10.0

30.0

20.0

40.0

97 - 98 98 - 99 99 - 00 00 - 01 01 - 02 02 - 03 03 - 04 04 - 05 05 - 06 06 - 07

0

S T. J A M E S ’ S P L AC E U K H I G H I N C O M E U N I T T RU S T V S F T S E A L L - S H A R E I N D E X T M


7

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 6 December 1991

A N N UA L D I S T R I B U T I O N DAT E S : 30 September31 December31 March30 June Final



Initial Charge 5%





• The Annual Management Charge is taken from the capital property of the Scheme; this has theeffect of constraining growth.

8

S T. J A M E S ’ S P L AC E E T H I C A L U N I T T RU S T

I N V E S T M E N T A DV I S E R : Aberdeen Asset Managers Limited; Andrew Preston


The investment objective of the Trust is to achieve both long term capital growth and income, byinvesting in companies that meet generally accepted ethical criteria (a statement of the ethical investmentprinciples is available on request).The Trust will invest principally in equities and convertible stock andmay hold fixed interest securities. It will invest mainly, but not exclusively, in companies in theEuropean Union. In selecting assets, the Manager will not knowingly invest in any company, industryor country whose business or behaviour offends against generally accepted ethical criteria.



The chart below shows the Annual Growth Rate for the Trust over 8 years from 30 July 1999.




Per

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ance

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)

-50

St. James’s Place Ethical

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-40.0

St. James’s Place Ethical

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01 - 0200 - 0199 - 00 02 - 03 03 - 04 04 - 05 05 - 06 06 - 07



9

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 12 February 1999

A N N UA L D I S T R I B U T I O N DAT E S : 30 November31 May Final



Initial Charge 5%



10

S T. J A M E S ’ S P L AC E FA R E A S T U N I T T RU S T

I N V E S T M E N T A DV I S E R : Aberdeen Asset Management Asia Limited; Hugh Young


The aim of the Trust is capital growth from investment principally in the stock markets of Japan,the Far East and the Pacific Basin, which may include investments that are listed, registered ortrading within this area.







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St. James’s Place Far East

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80

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-60.0

St. James’s Place Far East

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97 - 98 98 - 99 99 - 00 00 - 01 01 - 02 02 - 03 03 - 04 04 - 05 05 - 06 06 - 07



11

K E Y DAT E S :


A N N UA L D I S T R I B U T I O N DAT E : 31 May



Initial Charge 5%



12

S T. J A M E S ’ S P L AC E G R E AT E R E U RO P E A N P RO G R E S S I V E U N I T T RU S T

I N V E S T M E N T A DV I S E R : Taube Hodson Stonex Partners Limited;John Hodson, Cato Stonex, Mark Evans, Simon Edelsten


The Trust aims to maximise total return by way of capital appreciation and income. It is intendedthat at least 80% of the Trust’s assets will be invested in Europe, including the United Kingdom.Theremainder of the assets can be invested in any other geographic area.The Trust will concentrate onseeking opportunities for exceptional growth in undervalued stocks that may be less popular butwhich, in the opinion of the Investment Adviser, offer good value for money.







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St. James’s Place Greater European Progressive

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July1997

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July2007

Perf

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-40.0

St. James’s Place Greater European Progressive

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60.0

97 - 98 98 - 99 99 - 00 00 - 01 01 - 02 02 - 03 03 - 04 04 - 05 05 - 06 06 - 07

Ann

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13

K E Y DAT E S :


A N N UA L D I S T R I B U T I O N DAT E : 30 November



Initial Charge 5%



14

S T. J A M E S ’ S P L AC E I N T E R N AT I O N A L U N I T T RU S T



The investment objective of the Trust is to achieve capital appreciation through investment in a widegeographically based portfolio.The Trust will concentrate on seeking opportunities for exceptionalgrowth in undervalued stocks that may be less popular but which, in the opinion of the InvestmentAdviser, offer good value for money.







Per

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St. James’s Place International

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160

July2001

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St. James’s Place International

40.0

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97 - 98 98 - 99 99 - 00 00 - 01 01 - 02 02 - 03 03 - 04 04 - 05 05 - 06 06 - 07

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15

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 22 October 1971




Initial Charge 5%



16

S T. J A M E S ’ S P L AC E N O RT H A M E R I C A N U N I T T RU S T

I N V E S T M E N T A DV I S E R : Reed, Conner & Birdwell, LLC; Jeffrey Bronchick


The Trust aims to maximise total return, comprising both capital appreciation and income, throughinvestments principally but not exclusively in North American (United States of America, Canadaand Mexico) stock markets. The Trust will invest in a wide range of North American securitieswhich may include investments that are listed, registered or trading within this area.







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St. James’s Place North American

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-40.0

St. James’s Place North American

30.0

20.0

10.0

0

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-30.0

00 - 0199 - 00 01 - 02 02 - 03 03 - 04 04 - 05 05 - 06 06 - 07



17

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 12 March 1999

A N N UA L D I S T R I B U T I O N DAT E S : 30 November31 May Final



Initial Charge 5%



18

S T. J A M E S ’ S P L AC E T R AC K E R U N I T T RU S T

I N V E S T M E N T A DV I S E R : Insight Investment Management;Takis Anastassopoulos


The Trust aims to track the capital performance of the FTSE All-Share IndexTM as closely as possible,whilst at the same time ensuring that no one investment exceeds 10% of the value of the Trust.TheTrust will invest in United Kingdom equities.The Manager intends to use index-tracking techniquessuch as sampling and replication.



The chart below compares the Annual Growth Rate for the Trust over 8 years from 30 July 1999 withthat of the FTSE All-Share IndexTM.



S T. J A M E S ’ S P L AC E T R AC K E R U N I T T RU S T V S F T S E A L L - S H A R E I N D E X T M

Per

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FTSE All-Share Index TMSt. James’s Place Tracker

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July2000

July1999

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-40.0

FTSE All-Share Index TMSt. James’s Place Tracker

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30.0

40.0

99 - 00 00 - 01 01 - 02 02 - 03 03 - 04 04 - 05 05 - 06 06 - 07

S T. J A M E S ’ S P L AC E T R AC K E R U N I T T RU S T V S F T S E A L L - S H A R E I N D E X T M


19

K E Y DAT E S :


A N N UA L D I S T R I B U T I O N DAT E S : 31 May30 November Final



Initial Charge 3.75%





20

S T. J A M E S ’ S P L AC E U K & G E N E R A L P RO G R E S S I V E U N I T T RU S T



The Trust aims to maximise total return, comprising both capital appreciation and income, throughinvestment principally but not exclusively in the United Kingdom.The Trust may also invest in anyother geographic area.The Trust will concentrate on seeking opportunities for exceptional growthin undervalued stocks which may be less popular but which, in the opinion of the InvestmentAdviser, offer good value for money.


The cumulative performance of the Trust over the 10 year period from 31 July 1997 is shownbelow.





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St. James’s Place UK & General Progressive

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-15.0

St. James’s Place UK & General Progressive

20.0

15.0

25.0

35.0

5.0

10.0

30.0

40.0

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-10.0

-5.0

97 - 98 98 - 99 99 - 00 00 - 01 01 - 02 02 - 03 03 - 04 04 - 05 05 - 06 06 - 07



21

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 15 September 1989

A N N UA L D I S T R I B U T I O N DAT E : 31 May



Initial Charge 5%



22

T H E S T. J A M E S ’ S P L AC E P RO P E RT Y U N I T T RU S T

I N V E S T M E N T A DV I S E R : Invista Real Estate Management;Duncan Owen


The investment objective is to provide an attractive yield together with the potential for capitalgrowth over the medium to long term.The Trust will achieve its investment objective by investingprimarily in a balanced portfolio of commercial, industrial and retail property located across the UK.The Scheme may also invest in commercial, industrial and retail property located outside the UK. In addition to immovables the Scheme may invest in a range of asset classes permitted for a non-UCITS retail scheme pursuant to the applicable FSA rules including transferable securities, unitsin collective investment schemes, deposits, money market instruments, cash, and derivative andforward transactions (for the purposes of hedging only).The Scheme will not invest in gold.


The Trust was launched on 8 January 2007; past performance data will be available from January 2008.

K E Y DAT E S :


A N N UA L D I S T R I B U T I O N DAT E : 30 April31 July31 October31 January Final

The first annual distribution will occur in 2008.



Initial Charge 5%

Total Expense Ratio (including Annual Management Charge) see note below

Portfolio Turnover Rate see note below

N OT E S :

The Annual Management Charge is taken from the capital property of the Scheme; this has the effect ofconstraining growth.

Total Expense Ratio data is not yet available for this Unit Trust. Based on current estimates of costs andfunds under management, the longer term TER is likely to be 2.05%.

Portfolio Turnover Rate data is not yet available for this Unit Trust.

This fund invests in property and land.This can be difficult to sell – so you may not be able tosell/cash in this investment when you want to.We may have to delay acting on your instructions tosell your investment.The value of property is generally a matter of a valuer's opinion rather than fact.

23

T H E S T. J A M E S ’ S P L AC E G L O B A L U N I T T RU S T

I N V E S T M E N T A DV I S E R : Newton Investment Management Limited;Paul Butler


The investment objective of the Trust is to achieve capital appreciation through investment in a globalportfolio. The Trust will invest primarily in UK and overseas equities and may also invest in fixedinterest and index linked securities and cash. The Trust is also permitted to invest in othertransferable securities, money market instruments, units in collective investment schemes, depositsand derivatives and forward transactions (for the purposes of hedging only). The Trust willconcentrate on seeking opportunities for exceptional growth in stocks which in the opinion of theInvestment Adviser are attractive investments.The Trust may also invest in transferable securities innew and emerging markets.



K E Y DAT E S :


A N N UA L D I S T R I B U T I O N DAT E : 31 MayThe first annual distribution will occur in 2008.



Initial Charge 5%



N OT E S :

Total Expense Ratio data is not yet available for this Unit Trust. Based on current estimates of costs and

funds under management, the longer term TER is likely to be 1.85%.


24

T H E S T. J A M E S ’ S P L AC E U K G ROW T H U N I T T RU S T

I N V E S T M E N T A DV I S E R : MPC Investors Limited;John Innes


The investment objective of the Trust is to provide capital appreciation through investment in aconcentrated portfolio of quoted UK securities.The Trust will be invested, at the Investment Adviser’sdiscretion, primarily in UK equities and may also be invested in cash.The Trust is also permitted toinvest in other transferable securities, money market instruments, units in collective investmentschemes, deposits, and derivatives and forward transactions (for the purposes of hedging only).



K E Y DAT E S :




Annual Management Charge 2%

Initial Charge 5%



N OT E S :




25

T H E S T. J A M E S ’ S P L AC E WO R L DW I D E O P P O RT U N I T I E S U N I T T RU S T

I N V E S T M E N T A DV I S E R : Polaris Capital Management, Inc;Bernard R. Horn Jr.


The investment objective of the Trust is to provide capital appreciation through investment in aportfolio of quoted securities on a worldwide basis. The Trust will be invested, at the InvestmentAdviser’s discretion, primarily in global equities and may also be invested in cash and near cash.TheTrust is also permitted to invest in other transferable securities, money market instruments, units incollective investment schemes, deposits, and derivatives and forward transactions (for the purposes ofhedging only).



K E Y DAT E S :





Initial Charge 5%



N OT E S :




26

T H E S T. J A M E S ’ S P L AC E C AU T I O U S U N I T T RU S T

I N V E S T M E N T A DV I S E R : Jupiter Asset Management;Ian McVeigh, John Hamilton, Alex Darwall & Elena Shaftan


The investment objective of the Scheme is to provide capital appreciation and income.The Schemewill achieve this objective by investing primarily in UK and international equities and UK andinternational fixed interest and index linked securities, cash and near cash.

The Scheme is also permitted to invest in other asset classes permitted for non-UCITS retailschemes under COLL including other types of transferable securities, (including, but not restrictedto, the securities of investment trusts and companies which themselves invest in property), unitsand/or shares in other collective investment schemes, (including, but not restricted to, collectiveinvestment schemes which themselves invest in property), money market instruments, deposits, andderivatives and forward transactions (for the purposes of hedging only). It is the Manager's intentionthat the composition of the Scheme will enable it to qualify for inclusion in the InvestmentManagement Association's Cautious Managed Sector.


Past performance data will be available from January 2008.

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 2 April 2007

A N N UA L D I S T R I B U T I O N DAT E : 31 May (Final)31 August30 November28 February

The first annual distribution will occur in 2008.



Initial Charge 5%



N OT E S :

The Annual Management Charge is taken from the capital property of the scheme; this has the effect ofconstraining growth.

Total Expense Ratio data is not yet available for this Unit Trust. Based on current estimates of costs andfunds under management, the longer term TER is likely to be 2.20%.


The income is not fixed – it can go up or down.

27

T H E S T. J A M E S ’ S P L AC E C O N T I N E N TA L E U RO P E A N U N I T T RU S T

I N V E S T M E N T A DV I S E R : S.W. Mitchell Capital LLP;Stuart Mitchell


The investment objective of the Scheme is to achieve capital appreciation. The Scheme willachieve this by investing in shares of companies from Continental Europe, including any listed on theLondon Stock Exchange. In economic conditions judged by the Investment Adviser to be adverse,the Scheme may hold cash or near cash for as long as is necessary to protect the Scheme's value.


The Trust was launched on 1 October 2007; past performance data will be available from 1 October 2008.

K E Y DAT E S :

DAT E O F E S TA B L I S H M E N T O F T RU S T: 1 October 2007

A N N UA L D I S T R I B U T I O N DAT E : 30 NovemberThe first annual distribution will occur in 2008.



Initial Charge 5%



N OT E S :


projected funds under management, the longer term TER is likely to be 2.10%.


28

M O N T H LY I N C O M E P O RT F O L I OThe Monthly Income Portfolio has been designed to provide regular payments directly into yourbank or building society account in the middle of each month. Your investment is spread in a pre-determined allocation across four income unit trusts, which produce an income on differentmonths of each quarter, thereby providing a monthly income all year round:

The allocation is designed to ensure roughly the same income is received in total in the first yearfrom each of the unit trusts. Over time though, the income from each unit trust may vary,reflecting differences in investment strategy and performance. However, you can switch betweenthese unit trusts to reflect such movement.

G L O B A L G ROW T H P O RT F O L I OThe Global Growth Portfolio is aimed at investors looking for returns in excess of inflation overthe medium to longer term, exposure to international equity markets and a spread of investmentstyles. The portfolio offers access to managers who invest across a broad range of global markets(including the UK) with active management of asset allocations. This portfolio will tend to have arelatively low yield.

The Global Growth Portfolio is made up of the following SJP Unit Trusts:

U N I T T RU S T D I S T R I B U T I O N H O L D I N G %

Equity Income January, April, July and October 15%

Property January, April, July and October 15%Corporate Bond February, May, August and November 30%UK High Income March, June, September and December 40%

U N I T T RU S T H O L D I N G %

International 30%

Global 30%

Worldwide Opportunities 30%

UK Growth 10%

G L O S S A RY

P O RT F O L I O T U R N OV E R R AT EThis figure indicates the amount of buying and selling of stocks and shares by the fund manager. Themore that the fund manager buys and sells stocks and shares, the higher will be the portfolioturnover rate. This will often result in higher costs to the fund, but may also mean that the manageris actively managing the assets in line with the fund's objectives.

TOTA L E X P E N S E R AT I O ( T E R )We are required to include this figure to enable a comparison of the expenses of different funds.The Total Expense Ratio shows the proportion of the Trust’s assets which are used to meet all annualcharges and fees.

Both the Portfolio Turnover Rate and the Total Expense Ratio for each unit trust are calculated fromthe latest audited Reports and Accounts as at the time of printing.

N OT E S• The latest fund prices and up-to-date performance details can be found in the Investment Review or by

contacting your St. James’s Place Partner.• ‘FTSE™’,‘FT-SE®’ and ‘Footsie®’ are trade marks of the London Stock Exchange Plc and The Financial

Times Limited and are used by FTSE International Limited under licence.‘All-Share’ is a trade mark ofFTSE International Limited.

• The income is not fixed – it can go up or down.

29

G ROW T H & I N C O M E P O RT F O L I OThe Growth & Income Portfolio is aimed at investors looking for returns in excess of inflation overthe medium to longer term whilst offering a spread of asset classes and investment styles. Thisportfolio offers a balanced spread of UK and international equities, and fixed interest investments,and includes Unit Trusts that are managed with an emphasis on equity income as a key part of thetotal return, as well as Unit Trusts with more of a ‘growth’ bias.

The Growth and Income Portfolio is made up of the following SJP Unit Trusts:

U N I T T RU S T H O L D I N G %

International 15%

UK High Income 15%

Corporate Bond 15%

Equity Income 15%

Worldwide Opportunities 14%

Global 14%

Property 12%

The St. James’s Place Group provides wealth management services.Members of the St. James’s Place 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 the representatives of the St. James’s Place Group.

St. James’s Place UK plc: Registered Office St. James’s Place House, Dollar Street, Cirencester, Gloucestershire, GL7 2AQ, United KingdomRegistered in England Number 2628062

SJP2075-VR6(10/07)

FUND PROFILE - St. James's Place Wealth Management Fund Profile Booklet.pdf · ANNUAL DISTRIBUTION...

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Transcript of FUND PROFILE - St. James's Place Wealth Management Fund Profile Booklet.pdf · ANNUAL DISTRIBUTION...