SJP vs TPP: Why Investors Deserve Better

The Broken Model:

St. James’s Place (SJP) is the UK’s biggest wealth manager. With glossy branding, armies of advisers, and billions under management, they look like the safe pair of hands.

But here’s the truth: the emperor has no clothes.

Only 10 of SJP’s 38 strategies have beaten their benchmarks in the past 12 months. That means nearly three-quarters of their investors are paying high fees… for underperformance.

At TPP, we think investors deserve better. That’s why we built a platform designed to flip the old model on its head.

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The Problem with SJP (in our humble opinions):

For years, SJP has sold itself as a “trusted” partner for middle-class investors. But the numbers tell a different story:

• Chronic underperformance. Year after year, SJP strategies land on “spot the dog” lists of funds you’d want to avoid.
• High fees. Layered costs, hidden commissions, lock-ins, all eating away at your returns.
• Excuses. Until recently, SJP claimed their “different” fee structure made performance comparisons unfair. Now that fees have been restructured, the excuses are running out.

And even when performance improves slightly, it’s too little, too late. Investors are waking up to the truth: SJP has been part of the problem, not the solution.

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The TPP Difference:

While SJP lags behind benchmarks, our most basic strategy, the Leveraged Tracker, is designed to beat them.

• 1.5x the benchmark. If the index rises 10%, the Leveraged Tracker aims to deliver 15%. And that’s net of fees.
• Full transparency. You see every move, every strategy, in real time.
• No lock-ins. No hidden charges. We only win when you do.
• Professional traders. Portfolios are managed 24/5 with one goal: outperform.

And that’s just the starting point. The Leveraged Tracker is our “vanilla” strategy. Add in our Long or Flat, Hybrids, and active trading portfolios, and you’ve got structures designed not just to keep up with markets, but to leave them behind.

One of our long or flat strategies delivered more than 4 x's its benchmark last year. This doesn't surprise us. We build these products to beat benchmarks.

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Why Investors Stay Stuck:

So why do people stick with SJP?

1. Comfort in the brand. Big names feel safe, until you realise safety has cost you thousands in lost returns.
2. Fear of change. Investors worry switching is risky. In reality, staying put is often the riskiest decision.
3. Lack of transparency. When your adviser controls the narrative, you don’t see the underperformance until it’s too late.

At TPP, we strip away the myths. We show you the data. And we put you back in control.

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The Numbers That Matter:

• SJP: 10 of 38 strategies beat their benchmarks last year.
• TPP: Our most basic strategy targets 1.5x its benchmark, net of fees.
• SJP: Regularly top the “dog fund” lists.
• TPP: Portfolios designed to outperform consistently across market cycles.

It’s not a fair fight. There is only one winner for investors who are looking for performance rather than excuses...

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Conclusion: Investors Deserve Better.....

The wealth management industry has thrived on complacency, opacity, and excuses. and I'm sorry to say, but SJP is the poster child for that model.

TPP was built to change it. No inflated management/review and product fees. No lock-ins. Transparent strategies that beat the benchmark, starting with our most basic.

If you’re tired of paying more and getting less, it’s time to switch.

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👉 Don’t settle for underperformance. Book a free demo or call with TPP today, and see how real investors are already beating the benchmarks.

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At TPP, we’re not here to tinker at the edges, we’re here to disrupt an outdated industry. While legacy wealth managers drain clients with high fees and underperformance, TPP delivers benchmark-beating strategies, total transparency, and a model where we only win when you do. No lock-ins. No smoke and mirrors. Just professional traders building robust portfolios designed to outperform year after year. That’s why more investors are walking away from the old system and choosing TPP, because in a world of excuses, we deliver results.

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Disclaimer: Our past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any investment strategy or product made reference to will be profitable, equal any corresponding historical performance or be suitable for your portfolio. There is a substantial risk of loss in trading financial markets. Past performance is not indicative of future results.