The most important step you can take when you’re in employment is to start working out how much you think you are going to need to be able to comfortably retire.
Without effective retirement planning, there is the chance that you could potentially outlive your savings. As a nation, we are healthier and living longer than at any other point in history, meaning it will no longer be unusual for people to spend nearly as long in retirement as they did in employment.
Our retirement planning calculator is designed to provide an indication of the monthly savings needed to fund the gap in your required income at retirement, and your expected income from existing funds.
St. James's Place has a range of plans to help provide for your retirement, no matter what stage of planning you are at. You must have flexibility in all aspects of your planning for your needs will change as your future earnings and career evolve. We offer a service that is personal to you, delivering bespoke advice. Planning your retirement with us puts you in control, so that you can be confident about your future pension.
The value of a pension will be directly related to performance of the funds selected and can fall as well as rise. You may get back less than the amount initially invested.