Independent, in-depth review of St James's Place for pension drawdown. Covering fees, investment choice, platform features, service quality, and real user experiences.
Platform fees: Ongoing: 0.80% advice + 0.35% product (tiered to 0.25%) + fund 0.09-0.69%; initial advice 3%/2%/1% (from Aug 2025)
Fund charges apply on top (typically 0.10%–0.50% for trackers)
What this review covers
This review consolidates information from multiple sources including official provider documentation, verified user reviews, independent ratings from Which? and Defaqto, and Financial Ombudsman Service complaint data. We assess St James's Place across five key areas: