Investment Management Approach

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 to 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:

  • 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, without any charges, or tax, 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.

Members of the Investment Committee

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 Stamford Associates, Redington and other independent consultants, each selected for their expertise in particular areas of the investment world. Stamford Associates and Redington 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.

STAMFORD ASSOCIATES

Established in London in 1984, Stamford Associates is a leading international investment research consultancy and is authorised and regulated by the Financial Conduct Authority.

Stamford Associates concentrates its entire resource to servicing a small number of institutional clients amongst which St. James's Place is unique, being the only provider of wealth management solutions to private individuals.

It has a dedicated team that has a wealth of experience encompassing asset management, portfolio analysis, performance measurement, behavioural finance and investment consultancy.

Stamford Associates is totally independent of St. James's Place and, like our external fund managers, is under contract to us to provide a range of investment consultancy services. Their task is to work with the Investment Committee to help achieve its objective of generating superior investment results over time.

Stamford Associates’ forward-looking philosophy aims to achieve superior investment results by applying a fundamentally driven investment discipline and through identifying exceptional investment professionals. They provide highly specialised skills that would not normally be available to private clients or trustees but which are essential if investors want to aim to achieve superior performance.

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.

Redington

Redington is one of the UK’s leading investment advisory firms. Founded in 2006, the company works across investment strategy, portfolio construction, manager selection, and asset and liability management.

Redington provides us with a range of investment consultancy services, including the selection and ongoing monitoring of fund managers. By working collaboratively with the Investment Committee, the company has helped develop our range of multi-asset, fixed-income, alternatives and equity funds.

Redington has a dedicated focus on meeting the needs of the individual investor. By blending a full time, independent manager research team with market-leading analytics, the company helps create bespoke investment solutions for St. James's Place clients.

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.

A GLOBAL APPROACH TO SELECTING FUND MANAGERS

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.

Responsible Investing

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. 

More information

Read the 2019 Report of the Responsible Investment Committee.

Our approach and the expectations our fund managers are detailed in the Responsible Investment Policy.

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.

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.

Find an adviser

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.