SJP Investment planning
The best time to start investing was yesterday, the second best time is now.
Investment planning services in Singapore
Building wealth in Singapore often involves two main paths: work for an income, which usually only increases in line with inflation (at best), or invest your assets so they increase in value over time.
If you want to achieve your financial goals quicker, outpace inflation, and enjoy retirement to the fullest, we recommend the latter.
The inconvenient truth is that your investment strategy shapes your financial future, and stashing cash in savings accounts simply won’t outrun inflation. That’s why St. James's Place offers a range of individual funds and risk-rated portfolios so that you can spread your investments across a wide range of asset classes and global markets.
Unsure how to embark on your investment planning journey? Our expert financial investment consultants can help you take the first step.
Andy Shaw, Director of Investment Consultancy at St. James's Place, explains our investment proposition and how our portfolios are constructed.
Your financial aspirations are unique. That's why our investment approach at St. James's Place starts with understanding your individual needs and goals. We believe in making informed decisions, leveraging our global expertise and access to a wide range of fund managers and investment strategies.
Our investment planning services are designed to confidently navigate the markets on your behalf, focusing on long-term growth, resilience, and support for, no matter where you’re at in life.
Whether you are looking to invest for income, growth, or a combination of the two, our financial advisers provide comprehensive investment options and ongoing financial advice and support to ensure your portfolio remains aligned with your evolving circumstances.
Our Investment Committee also conducts a stringent external fund manager selection process and only selects those fund managers with superior track records across global markets.
Please note that the St. James’s Place approach to investment management only applies to St. James’s Place products.

Comprehensive investment planning
At St. James's Place, we believe in a comprehensive approach to investment planning.
We go beyond simply selecting investments by considering your overall financial picture, including your wealth management needs, tax situation, and retirement aspirations. This holistic approach ensures that your investment strategy is aligned with your broader financial goals.
We are dedicated to identifying tailored investment opportunities for you, leveraging exceptional data and thorough analysis. By managing both risk and opportunity, we stay focused on helping you achieve your long-term financial goals. Our Investment Committee, which includes independent professionals, brings a wealth of experience and specialised expertise. Their involvement strengthens our decision-making process and ensures it remains rigorous and reliable.
You can have confidence that your investments are in the hands of experts who are committed to helping you achieve your financial objectives.
Responsible investing
How we think, how we work, and how we deliver client outcomes—that's what makes the investment planners at St. James's Place different. Our approach to responsible investing is embedded deep into our DNA. It covers our vision, our investment strategies, our fund range, and our choice of fund managers.
We are also a signatory to the United Nations Principles for Responsible Investment and have achieved an A+ rating with the UK Stewardship Code.

How to invest in turbulent times
It’s hard to ignore that our world is in a volatile place. Geopolitical tensions are high and it seems the only constant in life over the past few years has been change, change, and more change. Many investors are prematurely searching for quick-fix answers, but it is our view to avoid short-term changes in your investment strategies as significant value could be lost.
Market fluctuations are a natural part of the investment landscape. While it's easy to get caught up in the headlines and feel anxious about market volatility, it's important to remember that markets have historically recovered from periods of uncertainty.
The only certainty when investing is that it is impossible to be sure how the markets will move. It’s common to hear advice to always buy at the bottom. However, in reality, no one ever really knows when the market is at the bottom. The sharpest falls and the largest gains are often concentrated into short periods of time. If you try to time the market to avoid the falls, you’re highly likely to miss the gains.
Remember, past performance is not a guide to the future and may not be repeated.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
An investment in equities and shares will not provide the security of capital associated with a deposit account with a bank or building society.