Without access to occupational pension schemes, self-employed people must take responsibility for their own retirement planning.

If you are self-employed, it’s important that you contribute to an individual pension arrangement in order to one day receive a retirement income in addition to state provision.

The first question to be answered is how much will you need in order to secure the retirement you want? We’ll guide you through the process of thinking about your goals and aspirations, working out how much your lifestyle will cost, and then identifying the gap between what you need and what you’re likely to have.

With our expert advice and support, you can focus on your requirements and then put suitable plans in place, maintaining flexibility and control as your priorities and circumstances change.

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 initially invested.