SWT Wealth Management

This article looks at the risks investors faced, from political events to tech concentration, and how SJP’s investment team navigated a complex market backdrop: https://partnership.sjp.co.uk/article/detail/sjpp/rising-through-the-noise.html

Past performance is not indicative of future performance. The value of your investment can go down as well as up. You could get back less than you invested.

SWT Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 27/1/2026

Impulse purchases – clever marketing tactics can make us buy things we didn’t set out to purchase, and if you’re impulse buying regularly this will soon add up. Break the habit by writing a list, sticking to it and resisting temptation of discounts or offers.

Neglecting your savings – saving might not be your priority right now, and that’s okay, but the longer you leave it, the less time you have for your money to grow. Break the habit by contributing little and often. Set up an automatic transfer if you need to!

Putting off things that are more complex to you – The UK has a complicated tax system, so it’s okay not to understand all of it. But try to understand taxes that apply to you so that your money works more tax-efficiently. Consider speaking to a financial adviser to guide you through this.

Not having a financial plan based on your goals – it’s good to have direction, and even better to have a route to get there. Work out what your goals are, when you want to achieve them by, and how much money that will take. Then build a plan, bespoke to you and your circumstances, to get there.

SWT Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 21/1/2026