Is it Safe to Invest with St. James’s Place?

By: Sumeet_Manhas

As we live longer, it’s becoming increasingly important to plan for old age. Your goal might be to enjoy a comfortable retirement, but you also might want to save to cover the costs of a family member’s care, buy a home for your children, or pay for a wedding.

Regardless of your plans, it’s vital to invest with a reputable, trustworthy institution that safeguards your money — and future — as much as possible. While investment returns are never a guarantee, firms like St. James’s Place (SJP) make your money work harder for you through trusted, professional investment management.

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Is It Safe to Invest With St. James’s Place?

In our opinion, yes, St. James’s Place is a safe investment option. Not only do SJP’s partner advisers help you craft a tax efficient and personalised investment plan tailored to your goals, but the institution also has several guardrails in place to mitigate risk.

SJP is a strong investment option thanks to its network of professional advisers, investing approach, and dedication to risk management.

Personalised, Professional Advice

SJP offers a leading range of investment products including offshore investments, unit trusts, investment bonds, individual savings accounts, and junior ISAs.

While the right product mix matters, SJP is a safe investment option thanks in large part to the expertise of its network of professional financial advisers.

Investing alone might not help you achieve your goals. You need expert financial advice to maximise your money’s potential. The investment strategy you follow is crucial to your success. That’s why SJP doesn’t just invest your money; its advisers sit down with you to craft a strategy first.

Every investor has a unique view of what’s to come. Instead of following one-size-fits-all approaches, SJP’s advisers get to know your goals and offer trusted advice tailored to them. SJP pairs you with a local adviser so you can get face-to-face financial advice and trust that the day-to-day monitoring of your investments is handled by a professional.

Unique Investing Approach

SJP takes a thoughtful, measured approach to investment management. It doesn’t take its responsibilities lightly, which is why the firm follows a stringent framework. This approach works in tandem with the high-quality advice and service investors receive from SJP’s advisers.

Seven core beliefs underpin every SJP investment decision, which keeps investors’ funds as safe as possible while maximising value. The first is great client outcomes (making the right investment decisions for clients); the others are asset allocation (having the right mix of assets to meet a fund’s objective); diversification (spreading assets between fund managers with different styles); active management (making informed decisions to make sure assets meet the fund’s objective); understanding the risks (identifying and removing known risks to make the best possible decisions); disciplined research (looking at all available facts before acting); and responsible investment (considering environmental, social, and governance factors in investing decisions).

360-Degree Risk Management

SJP takes a different approach to risk management to keep its investors’ money as safe as possible.

SJP doesn’t believe in managing investments in-house, which differentiates the firm from many of its competitors. Instead, the company hand-picks some of the world’s most talented fund managers. This approach gives investors access to a greater variety of fund management expertise, offering an experience that’s usually only available to large institutional investors. SJP’s approach also ensures it uses a variety of investment styles for its funds, which can help diversify investors’ portfolios.

St. James’s Place also has an independent Investment Committee that oversees all of its fund managers. The Investment Committee offers independent oversight while ensuring SJP’s investments are effective and investor-focused. The Investment Committee follows three guiding principles: selecting the best investment managers, continuously monitoring fund managers, and changing managers when necessary.

In addition to the Investment Committee, SJP also internally evaluates its value to investors based on seven areas identified by the Financial Conduct Authority: quality of service, fund charges, economies of scale, comparable market rates, comparable SJP services, classes of units, and fund performance.

These safeguards ensure that SJP’s investors enjoy the most secure possible investment experience and value for the money.

Entrust Your Future to St. James’s Place

As an investor, you might not have the bandwidth to manage finances on a day-to-day basis. It can feel overwhelming dealing with investments yourself, which is why many investors rely on firms like SJP to design, invest, and manage their money.

Investing is inherently risky, but SJP takes great pains to ensure it offers the safest possible experience for every investor. SJP’s financial advisers, investing strategy, and risk management make it one of the best options for investor peace of mind.

By Sumeet Manhas

© 2023 Copyright Sumeet Manhas - All Rights Reserved

Disclaimer: The above is a matter of opinion provided for general information purposes only and is not intended as investment advice. Information and analysis above are derived from sources and utilising methods believed to be reliable, but we cannot accept responsibility for any losses you may incur as a result of this analysis. Individuals should consult with their personal financial advisors.

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