St. James's Place
Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.
Adviser-led firm. Restructured fees August 2025 for new clients: roughly 1.6–1.7% ongoing total — 0.8% advice + 0.27–0.35% product + ~0.52% fund cost. Exit fees abolished on new investments. Pre-Aug-2025 clients remain on legacy structure (~1.9% with 6-year exit charges).
Products tracked
- SIPP1.67% / year
- Stocks & Shares ISA1.59% / year
- Workplace pension1.40% / year
- Face-to-face adviser service + behavioural coaching
- Some clients value the hand-holding — particularly older / non-DIY savers
- August 2025 restructure abolished exit fees on new investments
- All-in ~1.6–1.7% (post-Aug-2025) is still among the higher end of UK retail
- Bundled adviser charge — fee components less itemised than DIY platforms
- Pre-Aug-2025 clients can face exit charges on legacy products
- Fee drag at 1.6–1.7% compounds materially over decades vs flat-fee competitors
Fee breakdown
- Advice charge— Ongoing advice fee (Aug 2025 structure)0.80%
- Product / wrapper— 0.27–0.35% range; midpoint0.31%
- Fund cost— Underlying SJP funds, post-Aug 20250.52%
FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection
Investments covered under FSCS investment scheme (£85,000 per authorised firm).
FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.
Aug 2025 'Simple, Comparable Charging Structure' restructure. Unbundled: 0.27%/0.35% product (ISA / Pension) tiered to £500k + 0.8% ongoing advice + ~0.49–0.52% fund (Polaris default). SJP's own worked example: 1.59% all-in (ISA) or 1.67% (Pension). Exit charges abolished on new investments from 26 Aug 2025; legacy clients may still be in EWC period. Charges Document: sjp.co.uk/sites/sjp-corp/files/SJP/our-charges/Annual_Charges_Document_230825.pdf.
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Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; St. James's Place appears here under nominative fair-use as identification of a UK financial product.