SJP Investment management approach

We build investment solutions. As the main driver of both opportunity and risk, asset allocation is the cornerstone of our process.

We then select, who we consider to be the best investment managers from around the world, bringing together their expertise alongside our own to create our funds.

We are:

Builders of solutions

We offer diversified multi-asset funds and portfolios. These are carefully constructed with our disciplined asset allocation, expert fund manager selection and robust governance.

Experts selecting experts

Our reach and research means we can access a deep bank of world-class fund managers – no matter where they are based. Our manager selection, asset allocation and portfolio management is continually reviewed and tested.

Focused on choice and value

Leveraging our position as one of the UK’s largest wealth managers, we offer our clients a range of competitively priced investment options spanning regions, asset classes, investment styles and outcomes.

What we do:

  • We design portfolios suitable for clients’ long-term objectives
  • We decide which asset classes to invest in over time
  • We select the strategies and managers to populate our portfolios
  • We adhere to a strong, robust and repeatable process


This creates our range of solutions

Funds of Funds

Polaris & InRetirement

  • Client investment is made into a single fund which invests in other funds. These are ready-made packages of our most sophisticated investment thinking.
  • The risk profile remains consistent, as the funds are automatically rebalanced.
Portfolios

Growth

  • Client investment is made directly into a selection of individual funds.
  • The risk profile may change over time, as the portfolios are not automatically rebalanced.
Individual funds (Building blocks)

For example, UK, Corporate Bond and Global Smaller Companies

  • Each is managed according to a specific objective, region or asset class, including multi-asset.
  • Such funds can be run by a single manager or multiple managers.

The value of an investment with SJP will be directly linked to the performance of the funds you select. The value can therefore go down as well as up. You may get back less than you invested.

All of our funds and solutions are built using a set of core principles

These are the foundations of all our investment decisions.

Client focus

Meeting client goals is the cornerstone of everything we do.

Active views

Evidence-based, active decisions can improve client outcomes.

Diversification

Providing exposure to different asset classes and strategies improves portfolio outcomes.

Discipline

Understanding and managing behaviour is critical to long-term investment success.

Asset Allocation

Opportunity – and risk – comes from in what and where we invest. Short-term events and noise can distract. This is why we take a longer view of markets, formed by many factors, led by valuations.

Factors assessed include:

  • Valuations

    Is there a dislocation between the price of an asset and its fundamental value?

  • Fundamentals

    What typically influences the performance of a specific area of the market?

  • Economic environment

    How may the economy impact asset class returns? Now and going forward.

  • Behavioural flags

    What effect does sentiment/trends have on markets and prices?

  • Tail risks

    What impact – and on what – would major events such as pandemics, wars or banking crises have?

Is there a dislocation between the price of an asset and its fundamental value?

What typically influences the performance of a specific area of the market?

How may the economy impact asset class returns? Now and going forward.

What effect does sentiment/trends have on markets and prices?

What impact – and on what – would major events such as pandemics, wars or banking crises have?

Select - Monitor - Change

We use external managers from around the world. We have relationships with some 50 different fund groups based in the UK, Europe, Asia and the US.

We continually research thousands of investment groups. Hundreds of hours are involved in an extensive due diligence process.

We place a significant emphasis on the investment philosophy, process, people and culture of the firms we select.

Critical questions we ask
  • Does the manager have a clear investment philosophy and process?
  • Is there significant evidence of an investment edge?
  • Does the manager take measured and deliberate risks?
  • When blending managers, do they have complementary investment approaches, styles and portfolios?

Investment Committee

It is made up of industry experts - internal and external. This committee is responsible for setting the policies and parameters, within which the investment team can make informed decisions.

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.

You may also be interested in...

St. James's Place Value Assessment Statement

Our Value Assessment Statement explores the value you receive from us. We provide details of how we deliver value, the actions we’ve taken over the past 12 months and where we can do more. This is part of our commitment to giving you clear and fair information about your investments with us.

Please be aware though that past performance is not indicative of future performance.

If you have any questions, please contact your St. James’s Place Partner.

Read our Value Assessment Statement
Responsible investing

Responsible investing fosters long-term company resilience in the transition to a more sustainable economy. We believe the consideration of material environmental, social and governance (ESG) factors within our investment decision-making supports good client outcomes. Engagement is pivotal to our approach, to encourage firms to address material ESG risks and capitalise on opportunity.

Find out more about responsible investing
SJP Approved 04/04/2025