SJP Plan for life ahead
If you’re at the beginning of your financial journey, the greatest advantage you have is time. The sooner you start saving, the greater the potential rewards in the future.
Small steps now will help set you on the path to fulfilling your big financial goals – and we're here to help you navigate it all.
Buying a home is exciting. We’ll help with finding a mortgage and ensuring your payments are protected if you have a loss of income. And if you’re saving for a deposit, we’ll help make your money work harder.
Whether you’re investing in your career, starting a business, thinking ahead to marriage and children, or figuring out your pension, we can help create a plan to fulfil your goals.
If you have children, or are planning to, we can help you start investing for them as soon as they’re born. For example, you can open a Junior ISA, which other family members and friends can also pay into.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of a JISA 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 you invested.
The favourable tax treatment of JISAs may be subject to changes in legislation in the future.
Why it’s good to think long term
Thanks to the power of compounding (interest that’s paid on interest earned), the sooner you start investing, the better your likely return over the long term. Let’s say you start making a gross contribution towards your pension of £200 per month…
*This calculation is based on making a gross pension contribution of £200 per month, increasing by 2.5% each year, and with growth after charges of 2.4% a year. These figures are examples only and are not guaranteed. All monetary values shown have not been adjusted for future inflation. They are not minimum or maximum amounts. What you get back depends on how your investment grows and the tax treatment of the investment. You could get back more or less than this.
Our pension calculator can give you a more detailed view on how much you need to save to fund the lifestyle you want when you retire.
