As we live longer, planning for 100-year lifetimes could become crucial in helping to secure financial wellbeing in a world worth living in. We recognise that everyone’s financial journey is different, that is why our approach to financial and investment planning is based on individual goals.
To understand these goals and help provide peace of mind throughout your life we work with you in three phases:
PLAN: A clear plan is key in helping you meet your longer-term goals e.g. a comfortable retirement.
DESIGN: Designing an investment portfolio that considers your time horizon, your attitude to risk and your capacity for risk.
REVIEW: Helping you stay on track towards reaching your goals through changing market and personal conditions.
St. James's Place Wealth Management recognises that no single investment house has a monopoly on investment expertise, and St. James's Place do not employ in-house investment managers. Instead we carefully select a number of external managers of outstanding ability to manage our range of funds.
This has a number of advantages:
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 St. James's Place approach to investment management only applies to St. James's Place products.
Key to the distinctive St. James's Place approach is the ability to identify and select fund managers from around the world. Contracting out the management of our funds gives us greater freedom and the flexibility to source investment expertise on a global scale, providing our clients with truly diversified portfolio solutions.
* Red lines indicate fund managers from whom all the strategies we offer are exclusive to St. James's Place clients in the UK retail space.
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may go down as well as up. You may get back less than you invested.
Our Investment Committee 'manages the fund managers' on your behalf and is the cornerstone of the St. James's Place approach.
Our investment consultants play a vital role in the selection and monitoring of the fund managers, as well as assisting the Investment Management Team with investment strategy and the development of our fund range.
We know that many of our clients want their money invested responsibly, even if preserving and growing capital, or generating income, might be their primary aims. We take this priority seriously, not least though integrating environmental, social and governance (ESG) factors into our investment process.