The sooner you start saving, the longer your money has to grow
A broken boiler, a failed MOT, a poorly pet in need of an operation – the unexpected is bound to happen. Having instant access cash set aside makes the difference between stressful and manageable. A regular, structured savings habit spread across a variety of products means you can aim to grow your money while it’s waiting to be used. With the help of your Liberty adviser, personal goals such as holidays, school fees or house moves become more achievable. Whether it’s essential, regular expenditure, or a last minute emergency, we can help you build up that rainy day fund. Starting a savings habit as early as possible will make life easier for yourself and your family. And Liberty will help make that money work hard for you.
A tax-efficient way of saving
It’s never too early to think about paying into a pension, and it can make all the difference between the possibility of struggling in older age, or a comfortable and enjoyable retirement. With the State Pension age moving ever upwards, and the amount paid now barely covering the basics, taking your future into your own hands has never been more important. Workplace schemes are a great first step – depending on how much you put in every month, your employer gives a similar amount up to a certain level, and it is a very tax efficient way to invest. Your Liberty adviser will work with your State and workplace pension forecasts and show you the benefits of topping them off with a private pension. We’ll check if your funds are working as hard as they possibly can for you, and make sure the funds are regularly reviewed.
The value of a pension 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.
Investing in a stock market portfolio is one area where a long-term partnership with an experienced financial planner has the potential to reap exceptional rewards. Where, how and when to invest is daunting for many. Your Liberty adviser will firstly establish your risk profile – finding out how comfortable you are with short term losses for potential long-term gain. Your St. James’s Place funds will be sufficiently diversified aiming to minimise risk and possible loss, and maximise potential growth, in line with your preferences. Your planner will then make sure you take maximum advantage of tax-efficient wrappers for your investments such as an ISA or JISA. And whether investing for your own future or loved ones’, you’ll enjoy regular reviews and advice as your goals change over the years.
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 levels and bases of taxation and reliefs from taxation can change at any time and are generally depend on individual circumstances.