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 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
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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.