PHONE
+44 (0) 1803 659659
+44 (0) 1803 659659
email
adrian.howard@sjpp.co.uk
ADDRESS
2 The Old Bank Chambers, Fore St, Torquay TQ1 4PR

If you're self-employed, making long-term plans for a comfortable retirement is vital.

As you can’t join an occupational pension scheme, your basic entitlement when you retire will amount to whatever the State Pension offers at the time.

As of 6 April 2016, a new flat-rate State Pension came into effect based on national insurance contributions (£175.20 per week 2020-21*).

If you’re self-employed making regular individual pension contributions must become a habit - and the earlier the better. Why? 

Because starting early will allow:

  • more time for your retirement pot to potentially grow
  • more time for you to benefit from tax relief 
  • more time for you to contribute

However, with no employer to help, with the likelihood of irregular income, and with a large choice of currently available pension options, we understand it might seem a daunting task. 

But, we're here to help.

If you’d like to know more about the range of pensions available through St. James's Place or are after specialist proven advice, please get in touch today. Our service is always professional, trustworthy and sensitive to individual circumstances. 

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.

*Source: Department for Work & Pensions (DWP)