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.
Finding and monitoring the best investment talent requires specialist knowledge, detailed analysis and a lot of legwork. So, to help in carrying out its role, the St. James's Place Management Team is assisted by a number of independent investment consultancy firms. The consultants’ independence ensures that they can operate with complete objectivity when fulfilling their research and monitoring role.
In the same way as the fund managers, each of the consultants is engaged on the strength of their skills in particular areas of the investment world.
Access to this kind of expertise is not normally available to individual clients; this is another example of the rigorous and distinctive process that helps reassure our clients that their money is in good hands.
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. This forms a part of our plan, design, review process, helping our Partners design best-in-class investment solutions that align with their clients’ long-term goals.
These investment consultants include:
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.
When you invest your money with St. James's Place you can make that money a real force for good. Hear from our Investment Director, Robert Gardner, introduce our approach to responsible investing.
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 through integrating environmental, social and governance (ESG) factors into our investment process.
Our journey so far
We recognise that responsible investment is a journey, not a destination - there is plenty of work still to do. That said, we are proud of our achievements so far.
We continually develop our responsible investment approach, working closely with our managers to encourage and support the considerations around responsible investing as an integrated part of the investment process.
While the principles of Responsible Investing are embedded throughout our investment approach, some of our solutions place an extra emphasis on ESG factors. For example, the Sustainable & Responsible Equity fund provides a focused solution for investors seeking a strategy that contributes to a more sustainable global economy.
We believe that our external fund managers should factor environmental, social and governance issues into their investment decisions. This focus provides not only a risk management tool, but also an alternative lens to identify new opportunities that may contribute to superior long-term investment returns.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.
Read about the progress we made in 2019 around our approach to Responsible Investing.
St. James's Place is a signatory to the United Nations Principles for Responsible Investing (UNPRI). View further information and see how our Portfolios are managed in accordance with the UNPRI.
St. James's Place is a signatory to the UK Stewardship Code and is fully supportive of its principles. Read our statement of commitment to the code.
Our experienced advisers offer professional, tailored, face-to-face advice based on your current circumstances and future aspirations. Start your journey now and find a St. James's Place Partner in your local area.