We recognise that successful investment, whether it is in the form of pension provision, capital creation or income maintenance is critical to your future well-being, but it is a field which presents a unique challenge as future performance is unpredictable.

Unlike most other financial services companies, St. James's Place  has no investment managers of its own and instead has selected a number of respected external investment houses to look after its funds.

The cornerstone of the St. James's Place Group's approach is its Investment Committee,  which is advised by a number of respected consultancies.

The Investment Committee has the responsibility of selecting, monitoring and changing external fund managers. To this end, the Committee meets quarterly to review performance and consider detailed reports from each external firm. If a change in the market place calls for the addition of another firm, the Committee will select one. If the Committee loses confidence in the ability of an existing firm of managers it will replace them, without any tax implications or charges on the client.

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.