How does your risk tolerance change in retirement?

Understanding how you perceive risk – and how this changes over time – can help in navigating today’s retirement landscape.  It has long been accepted that we become more risk-averse as we get older – we’re less likely to put ourselves in the way of possible harm. This tends to be attributed to experience, and […]

Seizing the post-pandemic opportunity to be a force for good

The new St. James’s Place portfolio carbon emissions report is another step on the journey to managing client investments more responsibly. In its latest progress report to Parliament, the Committee on Climate Change (CCC) is on a mission, calling for the government to “seize the opportunity to make the COVID-19 recovery a defining moment in tackling the climate crisis”. […]

Get to know the four risks that could derail your retirement plans

When the time comes to access your retirement income, you’ll have new challenges to contend with. The wide-ranging pension reforms that came into force in April 2015 were all about giving people greater flexibility with their retirement income. There was a flipside to that promise, however. In giving individual investors more freedom, the government also […]

Beyond cash: how parents can help children buy their first home

Older generations looking to give their children or grandchildren a boost on to the property ladder don’t need to drain their retirement pot.  Do you know who the UK’s eleventh biggest mortgage lender is, currently dominating a large chunk of the market? You might be surprised to learn it’s not a major financial institution – […]

How to unlock your hidden pension pots

Women already face a wide pension gap – but you may have more money in your pot than you realise. These four tips can help you find your hidden money and assist you in the years ahead. What would you do if you found £13,000 you didn’t know you had? You actually could be sitting […]

What’s your retirement game plan?

The pension freedoms have put a number of new options in play, and each decision you make will affect the sustainability of your income through retirement. If there’s one overarching aim when building up a pension pot, it’s to get as much money into it as possible. The process of turning that pension into a […]

What does an investor look like? Well, just like you.

If women want to harness the full power of their pensions, they have to start thinking of themselves as investors. What does an investor look like? A suited and booted City type, who’s a whole lot wealthier than you? Not so. Investors come in all shapes and sizes – and if you have a workplace […]

The psychology of risk

The Undercover Economist, Tim Harford, explains why we tend to over-insure small risks – and under-protect ourselves against big ones.  If you had a pet, would you consider insurance to cover veterinary costs? How about insuring against a much more costly event: loss of income if you fall ill? According to a January 2019 study […]

Top tips on teaching financial education to children

Teaching young people how money works and how to make it work for them; transforming financial futures from hoping for the best to knowing what to do. Rob Gardner is the Director of Investment Management for St. James’s Place Wealth Management and has dedicated much of his career to instilling financial education in young people, specifically […]

Targeting financial wellbeing with The Diversity Project

As part of Mental Health Awareness Week, we take a look at the recent work we’ve done around financial wellbeing – something we know can have a big impact on mental health.  St. James’s Place co-organised an event with The Diversity Project at the start of May, titled “The impact of the coronavirus on our wellbeing: Exploring […]