If your pension plan with St. James’s Place is, or was, part of a group arrangement where your employer paid across contributions via payroll for 2 or more employees, then it is treated by the financial authorities as a “workplace pension scheme”.

All providers of workplace pensions are required to have in place an independent committee to represent the interests of members of workplace pension schemes and to assess the value for money delivered by these schemes. St. James's Place has appointed ZEDRA Governance Ltd to provide this committee, which is called a Governance Advisory Arrangement or GAA. The GAA is independent of St. James's Place and acts for a number of different workplace pension scheme providers.

The Terms of Reference of the GAA and its three most recent Annual Reports are available to download from the links below.

Terms of Reference

Document setting out how the GAA operates

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2024 GAA Report

The GAA Chair’s latest annual report

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2023 GAA Report

The GAA Chair’s previous annual report

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2022 GAA Report

The GAA Chair’s previous annual report

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Charges and costs information

Your pension is subject to charges and costs which reduce your fund value. The charging structure applying to your plan may vary depending on the original pension product you had invested in. The total charges and costs applying to our pension products can be seen via the links below.

St. James’s Place Group Personal Pension Plan

Staff Pension Scheme for employees of the St. James’s Place Group

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Retirement account

Our current pension product

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Other plans

If your plan commenced prior to October 2016, you may have one of our older pension products

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How to contact the GAA

Members of workplace pension schemes are able to make representations on any aspect of their pension policy known directly to the GAA, but please note that they are not able to deal with individual complaints.

If you have any queries or concerns with your pension plan, please contact your Partner in the first instance or tell us directly.

If you wish to make a representation to the GAA, please email [email protected]. If your representation is a query or complaint, we will deal with it under our usual process but otherwise we will acknowledge your comments and they will be passed in full to the GAA for their consideration. You will not normally receive any individual response from the GAA, unless they wish to seek more information or clarification from you. However, the GAA will ensure that all such representations reach them.

Alternatively, if you wish to make a representation to the GAA directly, the GAA has established a dedicated inbox for this, please email [email protected].

SJP Approved 05/04/2024