The performance of your investments could make a critical difference to your financial well being in the future. The absence of a regular review and proper diversification may present a disappointing outcome when you and your family are most likely to appreciate strong and secure financial support. Click here to view the article by Sir Mark Weinberg ‘Where should you invest your money?’

As an example, I have accumulated a detailed knowledge of the ‘household name’ providers of ‘With Profits’ policies over many years and have seen the mediocre or downright appalling returns these plans have given in recent years. I refer particularly, but not exclusively, to the so called ‘zombie funds’, in other words those that are closed and are no longer investing in the range of assets originally intended when the investment commenced.

St. James's Place Partnership has never offered ‘With Profits’ funds.

Click here for my feature Topical Issue – 'With Profits', What Profits?, Who Profits?