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Passive – Active: it’s not either/or
The debate between active investing (where a fund manager picks stocks to try and outperform the market) and passive investing (where the aim is to replicate the market) is now dated. Today, there are a range of options between these two poles. The basic argument for...
Political shifts: what does it mean for markets?
Last year a record number of people across the globe voted for change. While new governments are likely to bring in new policies, we expect inflation and interest rates to remain relatively high in the short term. In 2024, more than half the world’s population went to...
Beyond the Ballot: the US election 2024
Globally, more voters than ever in history headed to the polls this year, with more than 60 elections representing about half of the world’s population. Elections can fuel short-term emotional behaviour, but at St. James’s Place we take a medium-term view. It’s...
The advice journey – why we seek financial advice & why we stay with it
Almost one in two of us (48%) seek out financial advice due to a major life event such as getting married or buying a property, or to cope with an unexpected challenge such as job loss or divorce. Financial advice can be invaluable in helping us achieve our goals and...