Unit Trust Advice

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A personalised approach to Unit Trust advice

Unit trusts, also known as collective investment schemes, are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities such as stocks, bonds, and other assets. Unit trusts are managed by professional fund managers or investment companies.

Our advisers are here to help you find and choose the right Unit Trust funds, and fund managers, to meet your financial objectives. We take pride in approaching you as an individual, providing a personalised service with advice that’s tailored to you and takes your tax status into account. Our aim is to help you make well-informed decisions when setting up a Unit Trust (and beyond), so you always feel comfortable that your money is where you want it to be.

How we work

Why choose a Unit Trust?

Unit Trusts are commonly used to help clients invest money over the ISA maximum threshold. This can then feed the ISA with the annual allowance automatically. At Lester Brunt, we help clients invest in Unit Trusts as part of a focused tax-planning strategy. One reason for this is that Unit Trusts provide flexibility and can allow clients to utilise their annual Capital Gains Tax allowances.

Compared to investment bonds and other types of investments, Unit Trust gains are typically taxed as "capital gains" instead of "income." This distinction can be advantageous, particularly for higher rate income taxpayers. Plus, when used in conjunction with a Trust*, Unit Trusts also offer an alternative solution for those looking to invest on behalf their children. To better understand the personalised benefits of setting up a Unit Trust for you as an individual or someone else, we recommend giving us a call or arranging an appointment to discuss your requirements. Our advisers are always happy to help.

Unit Trust advice without the complications


In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.

Online registration:

Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.

Set your preferences:

Set your communication preferences to receive your digital reports and electronic correspondence.


Make online debit card payment for ISA and any JISA top ups with a debit card

linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of

this valuation. Instant notifications when a new document is available to view.

For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.

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 favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Investing in their future:

Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600

What we offer

How do Unit Trusts work?

Unit Trusts are a medium to long-term investment for potential capital growth and/or income.

The investor contributing funds to the Unit Trust is considered the trust’s beneficiary. As the beneficiary, the investor is entitled to the potential benefits and returns generated by the trust’s investment activities.

Fund managers run the Unit Trust and trustees are often assigned to ensure the fund is run according to its goals and objectives.

Unit Trusts offer investors a diversified portfolio, spreading investments across various asset classes, sectors, and securities. This diversification helps to reduce risk by minimising the impact of any single investment’s performance.

Unit Trusts charge various fees, including management fees, administrative expenses, and sales charges (also known as front-end loads). These fees cover the costs of managing the fund and are typically deducted from the fund’s assets.

When you make your investment, you can choose whether to invest in income or accumulation units within the unit trusts you have selected. If you elect to invest in income units, any distributions of income from the units held within your account will be paid to you. Alternatively, you may reinvest the income, which will be used to purchase additional units.

Unit Trust advice without the complications

At Lester Brunt, our goal is to make financial planning advice accessible to everyone. We’re not interested in complicating proceedings with unnecessary jargon – instead, we’ll help you understand your finances in a clear, straightforward way that gives you total control over your actions.

Unit Trusts can be a useful tool to take advantage of as part of your tax-planning strategy. Our advisers will make you aware of your options and the risks involved, and then work with you to devise a management plan that works for you.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select which means that the value can go down as well as up. You may get back less than you initially invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on your individual circumstances.

* Trusts are not regulated by the Financial Conduct Authority.

For more details about services that we offer reach out to us on 01202 695801, or click the button below.


Want to find out more?

Get in touch today to see how one of our advisers could help you.





Your Partner, together with St. James’s Place Wealth Management plc, are the data controllers of any personal data you provide and any further information which you subsequently provide to us. For further information on our uses of your personal data, please see the Partner’s privacy policy which can be accessed on their website and St. James’s Place Wealth Management plc’s privacy policy which can be accessed at www.sjp.co.uk/privacy

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