Retirement planning
You have an idea of what you want later life to look like, and we have the expertise to help make it a reality.
Capital at risk.
Planning for your ideal retirement
Life after work should be exciting, and having a clear plan is key. Our approach to retirement planning helps you to invest in products that are right for you, maximise your allowances, improve your tax efficiency and consolidate your pensions. With the guidance of our experts, you can confidently navigate your financial future – including how you can fund it and what you can do right now to bring it one step closer.
Save tax with a pension
Your pension can do more than fund retirement. With proper pension planning, you could reduce your tax bill and grow your wealth more quickly.
The 60% tax trap
Earning £100,000 to £125,140? By paying more into your pension, you could avoid paying up to 60% tax on that part of your income.
Unused allowances
'Carry forward' means using any pension allowances you didn't maximise in the past three tax years. This could help lower your tax bill.
Pension tapering
If your threshold income is over £200,000 and adjusted income is over £260,000, paying more into your pension could avoid your pension allowance being reduced.
Tax relief
Pension contributions give you tax relief at your marginal rate. The basic 20% is automatic, and higher or additional rate taxpayers can claim extra relief on any personal pensions through self-assessment.
Tax rules vary by individual status and may change. Pension rules apply.
Expert advice for your retirement
Prepare for retirement with paid advice from our financial advisers. Get personal recommendations, a tailored plan, and guidance on how best to withdraw your assets to meet your goals. Cashflow planning (included in our Enhanced advice) becomes especially important as you near retirement, helping you to achieve financial security and peace of mind – so you can enjoy your wealth today, knowing your retirement plans are taken care of.
Products to support your retirement
There are various ways to support your ideal life after work. Whatever your retirement goals look like, we have a way to invest for them.
Stocks and Shares ISA
Build your wealth tax-free with our award-winning ISA, to use before or after retirement.
Income Investing
Earn a monthly income from your ISA or General Investment Account (GIA) to supplement your pension in retirement.
Personal Pension
Consolidate your pensions with us into one streamlined and easy-to-manage pot.
Lifetime ISA
Use part of your ISA allowance and get a 25% government bonus on contributions up to £4,000 a year.
Tax rules vary by individual status and may change. Compare existing benefits and fees before transferring a pension. LISA rules apply and Government withdrawal charges may apply.
Consolidate your pensions with us
Old pensions have a habit of getting left behind – our pension experts can help you to find and combine them, and get a better understanding of the pros and cons of transferring.
Our Personal Pension can be tailored to suit your goals, and we're on hand to talk through any changes you could make to get your money working harder.
Work out your next step with our free wealth planner
Exclusively for clients who invest with us, and designed to help you make confident decisions that could bring your goals closer:
- Build a view of your total wealth
- Get tailored suggestions to see how you could progress
- Test simulated scenarios for each suggestion
- Follow your progress tracker and make adjustments
Build a clear plan for tomorrow, so you can focus on today.
Financial guidance only.
Plan for every part of later life
We’ve partnered with Hugh James*, a UK-based law firm, who can offer you professional will-writing and lasting power of attorney (LPA) services.
- 10% off Hugh James' fees for our clients
- Decide where and who your assets go to
- Put your biggest decisions with those you trust most
Speak to us to learn more.
Our experts are here to help
Our retirement experts are on hand to answer your questions and provide free guidance as you prepare for retirement.
Speak to usAs with all investing, your capital is at risk. The value of your portfolio can go down or up and you may get back less than you invest. Tax rules vary by individual status and may change. ISA/JISA/LISA eligibility rules apply. With LISAs, government withdrawal charges may apply. Before transferring a product, check you won't lose any benefits or pay any unexpected charges. During a transfer, your investments will be out of the market. Seek financial advice if you're unsure if a transfer is right for you. This is general information, not personalised tax advice.
*J.P. Morgan Personal Investing is not involved in providing this legal service and is not providing legal advice. All legal services will be delivered entirely through Hugh James, an independent third party. J.P. Morgan Personal Investing does not guarantee the quality of Hugh James’ legal service and is not liable for the quality or outcomes of the legal service they provide. We’re not a party to any contract between you and Hugh James and won’t be liable for any loss or damage you may suffer in connection with your use of, or reliance on, the legal service they provide. Your use of the legal service will be subject to Hugh James’ own terms and conditions and privacy policy, which you should read carefully. If you’re not sure whether the legal service is suitable for you, you should seek independent professional advice. No affiliation or referral fee, commission, or other financial benefit, is received by J.P. Morgan Personal Investing as a result of referring you to Hugh James.