How your investments are managed
As a Principal Partner Practice of St. James’s Place, Pinnacle provides personal financial advice tailored to your goals and circumstances.
The underlying management of your investments is overseen by the St. James’s Place investment team, who are responsible for asset allocation, manager selection and ongoing monitoring.
We believe it’s important that you understand how your money is managed, which is why we have included an overview of the St. James’s Place investment management approach below.
St. James’s Place builds investment solutions with asset allocation as the cornerstone of the process. The objective is to balance opportunity and risk to help meet clients’ long-term goals.
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.
What St. James’s Place does
Designs portfolios suitable for clients’ long-term objectives.
Decides which asset classes to invest in over time.
Selects the strategies and managers to populate portfolios.
Follows a strong, robust and repeatable investment process.
Core principles that underpin all decisions
Client Focus
Meeting clients’ goals is the cornerstone of the investment process.
Active Views
Evidence-based, active decisions are used where appropriate to improve client outcomes.
Diversification
Exposure to different asset classes and strategies is designed to improve overall portfolio outcomes.
Discipline
Understanding and managing behaviour is deemed critical to long-term investment success.
Asset allocation
Deciding what to invest in and where — is seen as the main source of both opportunity and risk. A longer-term view is taken to avoid distraction from short-term market noise. Factors considered include:
Valuations: Whether prices reflect fundamental value.
Fundamentals: What typically influences performance in that market area.
Economic environment: How the economy may affect asset class returns now and in future.
Behavioural flags: The impact of sentiment and trends on markets and prices.
Tail flags: Potential effects of major events such as pandemics, wars or banking crises.
Select – Monitor – Change Process
St. James’s Place uses external managers from around the world. Thousands of investment groups are continuously researched, and hundreds of hours are devoted to due diligence.
Key considerations include:
- Manager’s investment philosophy and process.
- Evidence of a genuine investment edge.
- Management of measured and deliberate risks.
- Complementary approaches when blending managers.
Investment Committee
The Investment Committee comprises industry experts (both internal and external). This committee sets investment policies and parameters that guide informed decisions by the investment team.
Responsible Investing
St. James’s Place integrates environmental, social and governance (ESG) factors into its investment process for clients who prioritise responsible investing, though preserving and growing capital or generating income may remain primary aims.
The value of an investment with St. James’s Place is directly linked to the performance of the funds chosen, and the value can go down as well as up. You may receive back less than you invested.