Retirement
It’s never too early to start thinking about your retirement. There’s no better time than now to begin putting your financial plans in place.
For those who are many years from retirement, it’s all too easy to put off planning for this key life event. However, it pays to plan ahead no matter what stage of life you’re currently at, as today’s longer life expectancies could mean your retirement income will need to last many years. By putting a plan in place now – with our expert help – you can start making sure that you’ll be able to afford a comfortable and secure retirement.
Retirement Planning Services
Maximising Your Pension Fund
The pensions landscape may seem to be in a constant state of flux, but that doesn’t mean you shouldn’t take steps to make the most of your pension fund.
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Planning Retirement
Retirement is one of the key events in most people’s lives, and planning ahead for it is one of the most important aspects of our business.
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Nearing Retirement
As retirement gets closer, there are a number of choices to be made, and we can help you assess what’s required and come to the right decision for you and your family.
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Self-Invested Pension Plans
As an alternative to a traditional pension, a self-invested pension plan – or SIPP – offers a wider range of investment opportunities.
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Employed
For employees, as with most people, thinking ahead to your retirement is something you should do as early as you can.
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Employer
Frequent changes in pension legislation can sometimes leave employers feeling confused about the pension options they could or should be offering to their team.
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Self-Employed
Without access to occupational pension schemes, self-employed people must take responsibility for their own retirement planning.
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Trustees
If you are a trustee of a pension scheme, you probably know that it can be a complex, time-consuming and possibly costly process.
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The value of an investment with St. James’s Place will be directly linked to the performance of funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax reliefs depends on individual circumstances.
SIPPs will not be suitable for everybody, as they require investors to be happy in making their own investment decisions and may incur costs not usually associated with other types of pension schemes.