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| Q1 |
What is meant by
"independent" and why will it benefit me? |
| Q2 |
What kind of products
are available? |
| Q3 |
How secure is my
investment? |
| Q4 |
Where will my money
be placed and what security will I have? |
| Q5 |
Who manages my investments? |
| Q6 |
Rather than making
a lump sum investment, could I make regular smaller investments
into an investment plan? |
| Q7 |
How will a volatile
Stock Market affect my money? |
| Q8 |
Can I contact the
relevant investment companies directly? |
| Q9 |
What happens if I
change residence or relocate to another country? |
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| Q1 |
What is meant by "independent"
and why will it benefit me? |
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As Independent Investment Broker St James International
acts on behalf of our clients, rather than working as an agent
of any one financial institution. We are independent and offer
unbiased access to information on any and all products and product
providers. |
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| Q2 |
What kind of products are available?
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There is no such thing as a "typical"
client, as the needs and aspirations of clients are so varied,
even if many are in the same financial circumstances. Therefore,
the products that clients have access to are varied and offer
different degrees of flexibility and take the form of bonds,
pensions, school fee plans, general savings plans and life assurance.
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| Q3 |
How secure is my investment? |
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St James International only recommend companies
based in stable environments. These locations offer the necessary
investor protection to make certain investments are protected
against corporate failure and fund mismanagement. |
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| Q4 |
Where will my money be placed and what
security will I have? |
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St James International arrange clients financial
investments through products provided by the world’s leading
Offshore Investment Companies, established in highly regulated
financial service centres. |
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| Q5 |
Who manages my investments? |
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A dedicated fund manager of the specific investment
fund selected. These experts research the companies comprising
the investment fund in order to ensure they offer excellent
growth potential. A fund manager also alters the composition
of the fund by buying and selling the individual holding to
maximize the return. |
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| Q6 |
Rather than making a lump sum investment,
could I make regular smaller investments into an investment
plan? |
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Absolutely. It’s up to you how you invest.
If you want to, you can build up your investments through a
series of small, regular monthly payments that over time, can
accrue into a substantial investment. Contributions can be made
direct from your Bank account by standing order, eliminating
unnecessary administration on your part. |
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| Q7 |
How will a volatile Stock Market affect
my money? |
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If you save regularly over the long term market
volatility can be beneficial for you, for example when there
is a fall in the market the assets you buy will become cheaper,
allowing you to buy more for the same money. Of course it works
the other way too, when the market is high, the asset price
will rise so that you will buy less. The overall effect, over
the long term, is a low average purchase price for regular investors.
This effect is known as “cost averaging” and is
one of the strongest arguments for investing on the stock market
on a regular basis. |
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| Q8 |
Can I contact the relevant investment
companies directly? |
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Of course. All companies issue an account/policy
number to every client with full contact details supplied within
the investment schedule. However, it is our experience, that
St James International clients are more than happy to delegate
time consuming administration matters to our Administration
staff. |
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| Q9 |
What happens if I change residence
or relocate to another country? |
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Regardless of your location (and relocation)
in the world, St James International will keep in contact with
you through the normal methods of communication, including facsimile
and e-mail. For clients moving to one of the few locations where
we do not have a physical presence, the St James International,
Customer Service team are always available to help. |
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