Do you find pensions confusing? Are you unsure what you should do with your existing pensions?
If so, you’re in the majority. It can be very confusing to understand the different types of pensions available. These could be Personal Pensions, Workplace Pensions, Stakeholder Pensions, Self Invested Personal Pensions (SIPP’s), Retirement Annuity Contracts, Final Salary Pensions and Career Average Earning Pensions.
There’s a good chance that you’ll have accumulated various pensions over the years and are unsure of whether they’re in the right place and if they’re working hard for you.
Fuelling your financial plan
Poor investment performance can reduce the chances of you achieving your financial goals. It can be the difference between having enough money or not and in turn you living your best life possible or not. It’s important to ensure your pensions are invested in line with your desired risk profile and aligned to your financial plan. It’s therefore essential that all of your pensions are managed proactively and nothing is left to chance.
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.
If you are considering starting a pension, we can recommend the best solution for you based on your personal requirements.
If you have existing pensions, we can help you make sense of what you have and provide you with a simplified overview.
We can even contact your providers on your behalf for the information that we require for the analysis.
We will also provide you with ideas and options to consider for your pensions once we’ve reviewed them.
Proactive Financial Planning and proactive Investment Management act as a powerful force
Financial Planning and Investment Management work hand in hand with each other. If you benefit from both, you’ll be provided with the best chance of future success.
If you’re unsure of whether a pension review would be beneficial, below are some of the key areas that we investigate when reviewing pension plans
- How are your pensions performing?
- Are your pensions in the best place to help you achieve your future goals and aspirations?
- Are the plan charges good value?
- What are your options at retirement?
- How much income is projected to be received in retirement?
- Are there any special guarantees or bonuses?
- What happens to your pension upon death?
- Are you invested in a sustainable and responsible way?
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.
Contact us to discuss your
Financial Planning
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Why not get in touch to discuss your requirements? We understand that life is busy, that’s why we’re happy to meet in person or virtually.
Let’s start to plan your future together.
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