SJP Reviewing your future plans

As your working and family life evolves over time, it’s worth taking a moment to make sure that your retirement plans are still on track.

There are so many factors that could have an impact on your future retirement, and it might not just be your personal circumstances that have changed. The rise and fall of the stock markets, economic and political changes can all have an effect.

On a practical level, if you have changed jobs a few times during your career so far, it’s worth considering what retirement savings you have built up, how easy they are to manage and where they are held.

There’s a lot to consider: is it worth consolidating, or leave them where they are? Do you know if you have any gaps in your National Insurance contributions? Do you need to make any changes to your investment strategy, and are you saving enough?

Don’t worry though. A good financial plan needs adjusting along the way, and financial advice and regular reviews can help you make any changes that you need.

Understand the current status of your pension

A lot can happen in a few years and it’s important to regularly review your retirement objectives, especially if you have changed jobs as you move through your career.

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Are your investments still on track?

Your retirement wealth is ultimately likely to include a range of assets and investments in addition to your pensions, that you will be able to draw on for your eventual retirement needs.

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Increasing your pension pot

If you are able to make further contributions to your pension, then there are a few things to consider, depending on what type of pension scheme you have.

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Consolidating your pensions

Pension consolidation means combining your pension pots into one. Find out what this means and what options are available to you.

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The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Learn how to plan your retirement
Learn how to plan your retirement

We believe that retirement is more than just planning for the future; it’s about making the most of the here and now.

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Understanding the basics of pensions
Understanding the basics of pensions

A pension is a long-term saving plan that you build up across your working life in order to create enough income for later life.

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Understanding your retirement options
Understanding your retirement options

There is a lot to consider when you access your retirement benefits, learn about some of your options.

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Securing your legacy
Securing your legacy

Preparing financially for what happens when you reach much older age, and what happens with your pensions and assets when you die is as important as all your other financial planning.

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SJP Approved 05/04/2024