Self-employed

Being self-employed means you can’t join a work pension scheme. However, as long as you’ve made enough National Insurance contributions, you will get the basic state pension and the Flat Rate State Pension.

So it’s essential to think about contributing to your own pension plan. This will go towards an income that gives you security in your retirement.

How much will you need?

You’ll need expert advice that’s tailored specifically to you. It will form the cornerstone of your pension planning. Our Approach to Retirement Planning is founded on four key principles:

• Advice
• Service
• Flexibility
• Control

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 initially invested.