As we live longer, it’s becoming increasingly important to plan for the life ahead of us. We know that everyone’s financial journey is different, which is why our approach to financial and investment planning is based on your unique goals. 

To understand your goals and provide peace of mind throughout your life, we will work with you in three different ways: 

PLAN: When aiming towards longer-term financial goals, such as a comfortable retirement, you’ll need a detailed plan. We’ll work together to agree a plan that works for you. 

DESIGN: After considering your time horizon and attitude to risk, we can design an investment portfolio to match the plan. 

REVIEW: Market conditions change. So can personal circumstances. We’ll keep a close eye on your investments monitor if they stay on track. 

St. James's Place 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:

• It gives us the freedom to select first-class managers from the global investment market to manage our funds on behalf of our clients
• It enables us to change any of these managers at short notice if we have lost confidence in them, that avoids tax consequences or inconvenience to our clients
• It offers our clients a real opportunity to diversify their investments by spreading their money across funds managed by different managers with different styles

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.

The cornerstone of the St. James's Place approach is our Investment Committee, which ‘manages the fund managers’ on behalf of our clients. The role of the Investment Committee is to:

• Select the best investment managers
• Continually monitor those managers to ensure they maintain the standards for which they were selected
• Change managers if this becomes necessary
• Ensure clients have an appropriate spread of investments by providing a comprehensive range of funds and Growth and Income Portfolios

We believe our investment process provides our clients with the best chance to achieve superior returns over the medium to long term.

To help in carrying out its role, the St. James's Place Investment Committee is assisted by our in-house team of analysts and independent consultants, each selected for their expertise in particular areas of the investment world. Our analysts and independent consultants play a vital role in the selection and monitoring of the fund managers, as well as assisting the Investment Committee with investment strategy and the development of our fund range.

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, our Investment Management team works with a number of independent investment consultancy firms. Their independence means they are completely objective when researching and reviewing your investments. 

In the same way as our fund managers, each of the consultants is engaged on the strength of their skills, knowledge, and experience. 

Access to this kind of expertise is normally limited to large institutional or overseas investors. It’s just one part of a rigorous and distinctive process to reassure you that your money is in good hands. 

Our investment consultants play a vital role in selecting and monitoring 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 to meet your long-term goals. 

Our investment consultants include: 

Redington: Now a team of 196, including 111 investment professionals, with a combined total of over 400 years’ investment consulting, actuarial, capital markets and asset management experience. 

bfinance: Established in 1999, bfinance has worked for more than 380 institutional clients across 38 countries, operating out of nine international offices. The firm has been recognised with numerous industry awards for innovation and investment consultancy. 

MICAP: Founded in 2013 and specialising in the alternatives market, MICAP provides us with high-quality independent due diligence, research tools and panel support services on the tax-advantaged investment space. 

MJ Hudson Allenbridge: Founded in 1984, its team has grown to 125 professionals working throughout Europe and advising more than £700 billion of assets. 

Ortec Finance: The firm now services 500+ clients, across seven global locations, with combined assets in excess of €3 trillion euros. It provides us with advisory and monitoring services for the effective construction of our diverse Portfolio offerings. 

eVestment: Founded in 2000, eVestment offers a range of Cloud-based subscription services for institutional investors and consultants. 

Inalytics: Founded in 1998, over the past 20 years Inalytics has analysed over $7tn of assets on more than 150 million investment decisions. 

SJP invests your money responsibly, focusing on long-term financial outcomes as we all transition to a more sustainable world.

Becoming financially secure is a dream for many of us. But it’s only worthwhile if we have a healthy and sustainable world in which to enjoy that security. Climate change is one of the biggest issues facing society today by far. Tackling this requires action from all sectors and industries, as well as governments, international bodies, and communities. As one of the UK's largest wealth managers, we want our responsibilities and standards to be reflected by our external fund managers.  

SJP joined the Net Zero Asset Owner Alliance (NZAOA) in 2020, making a public commitment that all their investment portfolios will be carbon neutral by 2050. The NZAOA uses the collective voice of more than $7 trillion of assets to encourage large companies to reduce their carbon emissions.  

To ensure company stakeholders – customers, communities, shareholders, and suppliers – are aware of climate-related challenges, firms are being encouraged to disclose this. In 2015 the Financial Stability Board established The Task Force for Climate-related Financial Disclosures (TCFD) to provide a framework for firms to follow when disclosing their climate-related risks. We became signatories of TCFD in 2019 and earlier this year we produced our own TCFD report. 

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. 

More information

St. James's Place is a signatory to the United Nations-supported Principles for Responsible Investing (PRI).  Find out more and see how our Portfolios are managed in accordance with the PRI.