Making a wise choice

We’d all like our money to work harder – but how can it, when the financial landscape is changing all the time?

Looking at the previous performance of an investment manager only gives you part of the picture. Even the best will occasionally underperform the market over a short period. Equally, the worst can sometimes achieve impressive results. Past performance is no guarantee of future success.

Remember, too, that managers can switch funds or leave the business. Also, a management style that has previously worked well, may not be right for current or future markets.

So, when you choose someone to manage your money, how can you be sure you’ve made the right choice – now and for the future?

And how can you monitor the manager you’ve chosen to make sure they’re still doing a good job?

Our solution is radical and effective. You wouldn’t expect to find all the world’s greatest fund managers in one single investment house. So we don’t employ in-house fund managers. Instead, we carefully select a specialist team to manage our funds. Here we explain how you can benefit from this. We also tell you about the St. James’s Place Investment Committee, our team of analysts and our panel of independent consultancies. These are the key elements at the heart of our approach.

What makes us different ?

Recognising that no single investment house has a monopoly on expertise, we choose outstanding external fund managers to look after our funds.

Here’s why:

‹ It gives us the freedom to choose first-class managers to look after your funds.

‹ If we lose confidence in them, we can change managers quickly.

‹ You can diversify your portfolio by spreading your money across funds invested by managers with different styles.

Our Investment Committee manages the fund managers for you. Its aim is to bring you superior investment results, both medium and long-term. It does this by keeping a close eye on the managers and the companies they work for.

The Committee is supported by our in-house team of analysts and a panel of independent consultancies.