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 […]

Will the pandemic herald a change in the UK’s savings habits?

Debt – just one unwelcome legacy of the pandemic crisis will be the huge amounts of money owed by the government, businesses and some households. It has led to suggestions that we might see a change in the nation’s financial mindset, as people realise that they need to have more savings to fall back on […]

Coronavirus: How could it affect your retirement income?

Why you should reconsider your pension withdrawal strategy during periods of market volatility. Stock market volatility can be unsettling for investors of all ages, however much they’ve invested and whatever their objectives may be. The market fluctuations triggered by the coronavirus outbreak and its impact on the global economy can have particular implications for investors […]

Protection perspective: Ways to help safeguard your financial future

How coronavirus has underlined the importance of always being prepared. The financial and economic impacts of the coronavirus crisis have thrown up a host of issues for individuals and families to consider. There has been a sharp rise in enquiries about wills and long-term care in recent weeks, and the pandemic’s effect on jobs and […]