Your pension fund will be a key element in planning your retirement strategy because of the substantial advantages of tax relief on your contributions, tax free growth, and up to 25% tax free cash upon taking your benefits. However, please note that any resultant annuity will be taxed as earned income. 

As pension and tax legislation evolves throughout your lifetime, we can help you to ensure your retirement strategy remains appropriate to your needs, and is a key part of your overall wealth management strategy. 

Assessing your risk appetite and creating a balanced approach to investment is vital to ensure you are financially secure in the future. We can give you support and advice as you make key decisions about your family’s future, including assessment of existing employer pension schemes or personal arrangements (including SIPPs and Annuities). Pensions for working women and starting a pension fund for children may also be considered as part of your investment strategy. 

The guide to Planning Your Retirement is designed to assist you in your financial planning. 

Please email us and you will be sent a complimentary copy of your guide by post. 

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. 

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.