We provide investments through St. James's Place, taking advantage of the distinctive approach to investment management. I believe our investment process provides our clients with the best chance to achieve superior returns over the medium to long term.

We strongly believe in these 5 key rules when investing clients’ money:

1. Invest for the long-term

You should always plan your investments for the longer term because the shorter term can be so unpredictable.

2. Emergency Funds

There is a need for adequate liquidity, which is money in a bank or building society that will not fluctuate in value and is enough to meet any unforeseen needs, as well as an adequate margin for emergency or unseen needs.

3. Risk

You should never ignore the risk that sometime in your life you have to live through a period of significant inflation. The effect of inflation can be just as severe a risk as a sharp fall in the markets.

4. Diversification

It is important to consider diversify as widely as you can. Having adequate liquidity deals with shorter-term needs, with investments offering the potential to grow in value over the medium to long term. Shares and property are two asset types that could provide the potential for inflation beating growth. Investing in funds which spread money widely can represent a diversification between different sectors. Additionally diversifying by fund managers is another consideration, since each have their own investment style.

5. Finding the very best fund managers

There are many, many investment managers out there and some are better than others. Perhaps even more important, some are much worse and it is critically important to avoid the bad managers – and to try as hard as you can to have your money with good managers.

Our investment planning advice services are designed to help grow wealth and protect against inflation.

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.

Past performance is not a guide to future performance.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

*Trusts are not regulated by the Financial Conduct Authority.