SJP Financial Health Report 2025
Our 2025 Financial Health Report, carried out by Opinium on our behalf, provides a detailed portrait of the UK’s wealth and wellbeing, revealing a nation divided. While average household wealth has increased by 12% over the last 12 months, financial resilience remains a concern, with many struggling to manage unexpected expenses and plan for the future.
When surveyed this year, the research data shows that those who have a financial plan in place are, on average, £109,172 better off that those without one.
However, as wealth grows in some parts of the UK, too many people still don’t feel financially secure.
That's where we come in. We’re here to give you the support and reassurance to feel confident about your finances, now and in the future. No matter what’s happening in the world, you can take control.
Read on to find out how to improve your financial health.
“There is no single solution, but we need to prioritise financial education in schools and workplaces, find ways to bridge the advice gap, and to ultimately remove the barriers that deter individuals from seeking the support they need to manage their money better. As we take extra responsibility for our own financial futures, this is more important than ever.”
Alexandra Loydon,Director of Advice, Policy & Operations, St. James’s Place
Key insights from the 2025 report
Your financial wellbeing starts here
With so many people feeling uncertain, now is the time to take control. What does financial wellbeing look like?
Making the most of your money
Optimising savings, investments, and tax efficiencies.
Being prepared for the unexpected
Building an emergency fund and managing risk.
Feeling confident and informed
Having the knowledge to make sound financial decisions.
Planning for the long term
Aiming for a secure future through pensions and investment strategies.
Take charge of your financial future
The 2025 Financial Health Report shows that while cost of living pressures remain, many people are taking action. Here’s how you can too:
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1. Plan for the here and now
Set up a budget, save regularly and review your spending. Even small steps can strengthen your financial position.
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2. Invest for the future
A balanced approach to saving and investing helps you build long-term wealth. Investing in stocks & shares ISAs, pensions, and diversified portfolios can help you stay ahead, even during market fluctuations.
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 invested.
The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
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3. Be retirement ready
With people living longer, planning for later life is essential. Reviewing existing pensions and retirement provisions, income strategies, and estate planning will help support your lifestyle in retirement.
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4. Make tax work for you
Making your money work harder through tax-efficient strategies strengthens your financial foundation. Seeking professional advice can help you make the most of available reliefs and allowances.
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5. Get expert advice
Find your adviser
A financial adviser can help you build a resilient and achievable plan. They provide expertise in tax efficient investment planning, retirement strategies, and helping to protect your wealth against inflation and market changes.
Set up a budget, save regularly and review your spending. Even small steps can strengthen your financial position.
A balanced approach to saving and investing helps you build long-term wealth. Investing in stocks & shares ISAs, pensions, and diversified portfolios can help you stay ahead, even during market fluctuations.
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 invested.
The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
With people living longer, planning for later life is essential. Reviewing existing pensions and retirement provisions, income strategies, and estate planning will help support your lifestyle in retirement.
Making your money work harder through tax-efficient strategies strengthens your financial foundation. Seeking professional advice can help you make the most of available reliefs and allowances.
A financial adviser can help you build a resilient and achievable plan. They provide expertise in tax efficient investment planning, retirement strategies, and helping to protect your wealth against inflation and market changes.
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.
Opinium surveyed 6,000 UK adults nationwide in two polls between 23rd December 2024 and 17th February 2025. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.
