The St. James’s Place distinctive approach to investment management

We believe that successful investment planning, whether it is in the form of pension planning, wealth creation or income maintenance, is critical to your future wellbeing, but it is a field which presents a unique challenge as future performance is unpredictable.

Unlike other financial services companies, St. James’s Place do not employ in-house fund managers because they believe that no single investment house has a monopoly of investment expertise. Instead, a number of respected external investment houses are carefully selected to look after their range of funds.

The cornerstone of this approach is the Investment Committee, which is advised by a number of independent external consultancies.

The Investment Committee has the responsibility of selecting, monitoring and changing external fund managers. 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 to the client.

This approach provides the flexibility to respond to market conditions as they change and the certainty that St. James’s Place are employing the finest fund managers.

Working together

Within the St. James’s Place Partnership there is some exceptional expertise in specific and often highly technical areas. We regularly consult with other Partners and, if necessary, introduce specialist colleagues into the planning process, ensuring you receive the highest standards of service and expertise.

Together, we create a working plan, providing you with a clear direction towards meeting your financial goals. This includes clarifying your objectives and researching all the options available to you.

We will monitor your plan closely and make amends as and when appropriate, as we appreciate that personal circumstances, opportunities and legislation all develop over time.


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.


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