Investment Planning

Insurance Planning
April 10, 2017

Cpl Steven Long (serving) Princess of Wales Royal Regiment ISA Investment Planning



Cpl Long wanted to review his financial position prior to his retirement. He was concerned that once he left the Army he would have no financial reserves to cover his lifestyle or to cover him for a period of unemployment.

The challenge

During the initial discussion it became clear that Cpl Long was able to see the value in putting aside an affordable amount of money every month so that over time he could build up a decent reserve. Through further discussion we found that he was happy to invest this monthly amount into our stocks & shares ISA, giving the money the best chance of growth. He was worried about not being able to keep track of his investments due to postings, long periods of exercise and also being overseas.

The results

As a result of our meeting David advised Cpl Long to open a Stocks & Shares ISA investing in a medium risk portfolio, which was a portfolio that matched his attitude to risk. He is now happy that he is tucking away part of his monthly salary to help him on his return to civvy street when he retires. David also reassured Cpl Long that part of his service proposition included regular reviews and updates regardless of postings and that he would always be available to answer questions.

The outcome

Cpl Long hasn’t decided what his investment will ultimately be for, but he now feels secure that he now has a tax efficient investment which has the potential for growth. He can ultimately use this to pay off his mortgage or support his retraining/lifestyle when he leaves the Forces. He also now has a trusted advisor he can turn to that can explain all the financial options open to him in a language he can understand by someone who has been through a forces career.

*The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected 
and may fall as well as rise. You may get back less than the amount invested.

 The favourable tax treatment given to ISAs may not be maintained in the future as they are subject to changes in legislation.