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Investments
Are You Saving… or Missing an Opportunity?
Amy Woolliscroft11th May 2026
If you’re holding a large amount of cash or a high-value Cash ISA, it’s worth taking just 10 minutes to read our short guide on the differences between saving and investing.
Many people keep substantial sums in cash simply because it feels safe. But not all money needs to be treated the same way.
In our booklet, we explain the simple concept of the 'Three Pots' approach:
• Pot 1 – Emergency Fund: Readily accessible cash for unexpected expenses.
• Pot 2 – Short-Term Money: Funds you’ll need within the next 5 years.
• Pot 3 – Long-Term Money: Money not required for at least 5 years — which may be better suited to investing.
Once you’ve identified how your money is allocated, ask yourself:
Is there cash sitting in Pot 3 that could potentially be working harder for you?
If so, the next step is simple.
Read our guide to understand the advantages and disadvantages of saving versus investing and then arrange a conversation with us. We’ll help you determine whether staying in cash remains the right choice, or whether investing could be more appropriate for your long-term goals.
A small investment of time today could make a significant difference to your future.
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.
An investment in equities and shares will not provide the security of capital associated with a deposit account with a bank or building society. However, please bear in mind that over the long-term inflation will erode the purchasing power of your capital.
SJP approved 11/5/2026