The St. James s Place Partnership and the titles Partner and Partner Practice are marketing terms used to describe St. James s Place representatives.

Transcription

1 The St. James s Place Partnership and the titles Partner and Partner Practice are marketing terms used to describe St. James s Place representatives. Members of the St. James s Place Partnership represent St. James s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) and advise solely on the Group's wealth management products and

2 TCM Wealth Management Ltd Partner Practice of St. James Place Wealth Management An Investment Philosophy that works Using Exclusive Funds 2

3 An Investment Philosophy That works The Right Team The Right Strategy The Right Investment The 5 Key Rules of Investment 3

4 The Right Team 4

5 About Our Practice Part of the award-winning St. James s Place Wealth Management Face-to-face wealth management advice designed to suit your individual longterm requirements from a team of Chartered Financial Planners. Access to a wide range of products and services that can be tailored specifically to your needs, making it easier and simpler for you to manage your wealth Everything from pension and Inheritance Tax planning, through to investment management that offers direct access to many of the top fund management teams across the globe 5

6 About St. James s Place A leading UK wealth management organization Founded in 1991 A FTSE 100 company with a market capitalization of c. 5 billion 55.5 billion client funds under management Supported by over 1,000 employees All information as at 30 June

7 Funds under management 20% p.a. compound growth over the last 5 years, and 18% p.a. over the last 10 years* * As at 30 June to 2014 figures illustrate full year results from 1 January to 31 December H2 figure illustrates 1 January 2015 to 30 June Past performance is not indicative of future performance. The value of an investment with St. James s Place can fall as well as rise. 7

8 The St. James s Place Advice Guarantee 8

9 Whole of Market * approach *Although our advice is restricted to the products and services available through St. James s Place, we take responsibility for the due diligence on all the providers whose products and services we make available to our clients, some of which are shown below: 9

10 Award-winning wealth management 10

11 Our Covenant We are committed to helping clients manage their wealth in a way that reflects their personal circumstances now and in the future We put our clients firmly at the center of everything we do We provide face-to-face wealth management advice clients can trust We are a financially strong group; solvent, profitable and with the resources, capital, people and expertise to support clients We underwrite our advice with a guarantee* *St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group. 11

12 The Right Strategy 12

13 The Right Strategy Maximizing use of income tax allowances and tax bands Income transfer between couples ISA maximization Pensions efficiency Using the CGT exemption Tax Efficient Investment Planning EIS & VCT Must do simple, effective estate planning 13

14 Our investment management approach The 5 Key Rules of Investment Rule 1 - Hold enough cash to cover your short term needs Rule 2 - Be aware of the damaging effect of inflation Rule 3 - Invest for the longer term Rule 4 Diversify Rule 5 Select the right fund managers 14

15 The 5 Key Rules of Investment High Quality Advice TCM Wealth Management Rule 1 - Hold enough cash to cover your short term needs Rule 2 - Be aware of the damaging effect of inflation Rule 3 - Invest for the longer term Rule 4 Diversify St. James s Place Wealth Management Investment Approach Rule 5 Select the right fund managers 15

16 Rule 1 Hold enough cash to cover short term needs 16

17 Rule 2 Be aware of the damaging effect of inflation 17

18 Rule 3 Invest for the long term 18

19 Rule 3 Invest for the long term 19

20 Rule 3 Invest for the long term 20

21 Rule 3 Invest for the long term 21

22 Growth Designed for investors aiming to build up the value of their capital and achieve returns above inflation over the medium to long term. Aims to generate an attractive and sustainable level of income. Income 22

23 but is now the right time to invest? 23

24 September is one of the peculiarly dangerous months to speculate in stocks Mark Twain 24

25 September is one of the peculiarly dangerous months to speculate in stocks Others are July, January, April, October, November, May, March, June, December, August and February Mark Twain 25

26 What is going to happen to shares going forwards? The answer is that no one really knows If you hold onto those shares for the next 10, 15 or 20 years, you are likely to be much better off than you are today 26

27 Time in.. Not Timing! 27

28 Why Investing Makes Sense 28

29 Rule 4 - Diversify St. James s Place Partners High Quality Advice Rule 1 - Hold enough cash to cover your short term needs Rule 2 - Be aware of the damaging effect of inflation Rule 3 - Invest for the longer term Rule 4 Diversify St. James s Place Investment Committee Rule 5 Select the right fund managers 29

30 st 23% 16% 15% 28% 20% 2nd 22% 8% 15% 22% 17% 3rd 21% 1% 12% 21% 14% 4th 19% 1% 12% 10% 7% 5th 15% -3% 11% 9% 6% 6th 14% -11% 3% 1% 1% 7th 8% -13% 2% -2% 1% 8th 7% -14% 1% -4% -1% 9th 1% -18% -5% -11% -12% UK Equities - FTSE All Share US Equities - FTSE All Wld North America UK Property - IPD UK All Property UK Giltd - FTSE British Government All Stocks Cash - Moneyfacts Instant Access notice 10K Emerging Markets - MSCI EM (EMERGING MARKETS) GROWTH Far East Equities - FTSE All Wld Asia Pacific Commodities - DJ UBS Commodity European Equities - FTSE All Wld Europe Source: Financial Express, Analytics. Data as at 31 December Please be aware past performance is not indicative of future performance. Source: FTSE International Limited ( FTSE ) FTSE FTSE is a trade mark of the London Stock Exchange Group companies and is used by FTSE International Limited under licence. All rights in the FTSE indices and/or FTSE ratings vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices and/or FTSE ratings or underlying data. No further distribution of FTSE Data is permitted without FTSE s express written consent. 30

31 Security in Sound Foundations Share Share portfolio Specialist funds Managed funds Multi Manager approach 31

32 Rule 5 Select the right fund manager St. James s Place Partners High Quality Advice Rule 1 - Hold enough cash to cover your short term needs Rule 2 - Be aware of the damaging effect of inflation Rule 3 - Invest for the longer term Rule 4 Diversify St. James s Place Investment Committee Rule 5 Select the right fund managers 32

33 Our approach to investment management 33

34 Our Distinctive Approach to Investment Management Select (Search, Research, Appoint) Globally Monitor Regularly Change Appropriately

35 Stamford Associates Independent Investment Consultancy Research Fund Manager Market Access to Whole Market Analyse & identify talented managers Gather intelligence Monitor Managers and Portfolios Advise Investment Committee Qualitative and Quantitative Focus on Future Outperformance Data analysis Recommend: Monitor activity Potential changes Behavioral psychology New managers Workplace analysis 35

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39 Benefits of our approach No in-house managers, so no conflict of interest Benefit from Investment Committee experience & expertise Global research capability Ability to appoint the best fund managers with wholesale purchasing power Continuous monitoring, plus quarterly reviews Any manager change is implemented for all clients at the same time at no additional cost and no tax implications No capital-intensive products, performance guarantees, options or overly complex, fashionable or high risk funds Whole of market for specialist products 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 39

40 It is impossible to produce superior performance unless you do something different from the majority Sir John Templeton 40

41 Next Steps Right Team, Right Strategy, Right Investment We believe it is important to build effective relationships to meet with clients and create financial plans without financial commitment. Please complete the register your interest cards on your chairs Please come see us at our stand after the meeting Thanks You 41

42 Appendices 42

43 What our clients think* The key findings were: 83%* are highly satisfied with their relationship with St. James s Place a third scoring us 10 out of 10 81%* are highly satisfied with the relationship they have with their adviser 88%* agreed that we provide excellent client service 82%* are satisfied in the way in which we communicate with them 98%** have recommended or would recommend St. James s Place to others 84%* would definitely invest with St. James s Place again if making that decision today *Scoring 8 or more out of 10 *Ledbury Research November/December 2014 **Wealth Account Survey, January

44 Award Winning 2015 City of London Wealth Management Company of the Year 2014 Britain s Most Admired Companies Awards (Top in Sector) The Personal Finance Awards Best Financial Adviser Wealth Adviser Best Private Client Investment Manager City of London Wealth Management Awards Best Performing Fund Morningstar UK Fund Awards Best Global Equity Fund 2013 Britain s Most Admired Companies Awards (Top in Sector) Shares Awards Best Wealth Manager Wealth Adviser Best Private Client Asset Manager UK City of London Wealth Management Company of the Year FT/Investors Chronicle Best Wealth Manager for Tax Efficient Investments The Personal Finance Awards Best Financial Adviser 2012 FT/Investors Chronicle Wealth Manager of the Year City of London Wealth Management Company of the Year UK Stock Market Awards Winner The Personal Finance Awards Best Financial Adviser FT/Investors Chronicle Best Wealth Manager for Tax

45 May 2015 The St. James s Place Partnership and the titles Partner and Partner Practice are the marketing terms used to describe St. James s Place representatives. The St. James s Place Partnership, as part of St. James s Place Wealth Management plc, is authorised and regulated by the Financial Conduct Authority. St. James s Place Wealth Management plc, St. James s Place UK plc, St. James s Place Unit Trust Group Ltd and St. James s Place International plc are members of the St. James s Place Wealth Management Group. St. James s Place UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. St. James s Place Unit Trust Group Ltd is authorised and regulated by the Financial Conduct Authority. St. James s Place International plc is authorised by the Central Bank of Ireland.