We practise wealth management with purpose.
At CF Wealth, we are committed to helping you to achieve the best possible financial outcome, while maintaining accountability for the social and environmental impact in everything that we do through St. James’s Place sustainable investment strategy and approach.
Our goals are closely aligned to the UN’s Global Goals for Sustainable Development, because we believe that every company, every employee and every client has a role to play in creating a more peaceful and prosperous future for people and for the planet.
It’s not just a concept for us, it’s a way of life. We stay true to our commitment of sustainability, and promote socially responsible investing for the good of our clients, communities and our world by accounting for risks and uncertainty, evaluating the impact of wellness, social, economic and environmental outcomes.
We are progressive in our outlook and in our approach. Our core aim is to have a positive impact for our clients, our planet, and our communities, by ensuring that our investments are being used as a force for good through the use of best practices.
Everyone is an equal. We are human in our interactions, ensuring to be courteous and always pay close attention to our clients’ concerns to provide solutions that meet every individual’s financial objectives. We always champion diversity and gender equality.
We are optimistic and act as role models who care about what we do. It’s thanks to our growth mindset and thrive mentality that we always deliver positive client outcomes. We grow and succeed together through positivity and selflessness for our communities.
As a Partner Practice of St. James’s Place, we have access to a wide range of funds and portfolios. A FTSE-100 wealth management company that puts long-term relationships and advice that clients trust at the heart of everything they do. Like us, they are committed to delivering value and excellence through the products and services they make available to their clients.
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 you invested. The St. James’s Place approach to investment Management only applies to St. James’s Place Products.
A responsible and sustainable investment strategy integrates environmental, social, and governance (ESG) factors into investment analysis and decisions. It recognises that ESG factors can have an impact on the financial value of an investment and that investments have an impact on the world around us.
A responsible approach to investing recognises that long-term prosperity requires a move away from short-term profit as the only definition of value.
It’s been calculated that investing sustainably can have 27 times as much impact on reducing your carbon footprint as giving up flying or eating less meat.
Source: Nordea Group Sustainable Finance, June 2018
The environmental component requires research into a variety of elements that illustrate a company’s impact on the Earth, in both positive and negative ways. A company that’s an actively good steward for the environment might be deserving of your dollars.
Environmental topics to research and analyse include:
The social component consists of people-related elements like company culture and issues that impact employees, customers, consumers, and suppliers — both within the company and in greater society.
Social topics to research and analyse include:
The corporate governance component relates to the board of directors and company oversight, as well as shareholder-friendly versus management-centric attitude. ESG investors analyse how corporate managements and boards relate to different stakeholders, how the business is run, and whether the corporate incentives align with the business’s success.
Governance topics to research and analyse include:
St. James’s Place is one of the largest wealth management companies serving the expatriate community living and/or working in Asia. They have many years of experience and have offices in China, Hong Kong, and Singapore.
As a client, you will receive a personalised advisory service from our business, whilst having access to a distinctive investment management approach and the backing and re-assurance of investing with an award winning company.
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, more details of which are set out on the Group’s website.
As we live longer, planning for 100-year lifetimes could become crucial in helping to secure financial well-being in a world worth living in. We recognise that everyone’s financial journey is different, this is why the St. James’s Place investment management approach is based on financial and investment planning based individual goals.
To understand these goals and help provide peace of mind throughout your life we work with you in three phases:
PLAN: A clear plan is key in helping you meet your longer-term goals e.g. a comfortable retirement.
DESIGN: Designing an investment portfolio that considers your time horizon, your attitude to risk and your capacity for risk.
REVIEW: Helping you stay on track to reaching your goals through changing market and personal conditions.
St. James’s Place Wealth Management recognises that no single investment house has a monopoly on investment expertise, and St. James’s Place do not employ in-house investment managers. Instead they carefully select a number of external managers of outstanding ability to manage their range of funds.
This has a number of advantages:
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.