Global credit markets have endured a roller coaster ride in recent years and have witnessed a number of high-profile casualties as the squeeze on global liquidity impacts the worldwide economy. At the same time, interest rates have fallen to their lowest ever levels leaving investors looking for income needing an alternative home for their capital.

The following opportunities for income or capital growth exist for those willing to consider the alternatives:

 

• Fixed Interest - corporate bonds and gilts offer significant potential for increased income in times of low interest rates.

• Equities - whilst in the short-term equities can be volatile, history shows us that they have outperformed all other asset classes over the longer-term. With share prices currently at low levels, equities offer the potential for capital growth and rising income over time.

• Commercial Property - whilst the commercial property market offers an opportunity to achieve capital growth over the longer-term, the primary return for investors is rental income. Securing long leases with financially secure tenants is critical in order to maintain attractive and sustainable income levels.

Diversification and expert management remain key to long-term success in these difficult markets. The St. James's Place distinctive approach gives you unrivalled access to investment expertise and the opportunity to invest across a range of different investment firms, with the peace of mind of knowing that your money is being well looked after.

For further information on strategies to cope with lower interest rates and alternative solutions to achieve your income or capital growth objectives, click here.

Alternatively please contact us.

Please note that the value of an investment in equities or corporate bonds can fall as well as rise and income is not guaranteed.