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Video on Demand

Pensions (not so) Simplified: Options when drawing your pension

In this video (19m:09s), we will be covering the following topics:

  • ​DB or DC – how best to utilise them both

  • How much income do you need in retirement?

  • Annuities

  • Taking benefits

    • Flexi-Access vs Capped Drawdown

    • UFPLS

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.

About the speakers


Robert Chapman

Chartered Financial Planner


Andrew Stokes

Head of Pensions - St. James's Place

You might also be interested in these other Pensions videos below


Topics Covered:

  • An overview of UK Pensions

  • 5 key messages to retirement planning

  • Your options at retirement

  • Lifetime Allowance

  • Death benefits



Topics Covered:

  • UK State Pension / making voluntary contributions

  • Understanding your options when you leave Hong Kong / Mainland China

  • QROPS 

  • QROPS vs UK pension

  • What is a QNUPS?

  • When is a QROPS suitable?

  • Cash Flow Planning / Modelling


Topics Covered:

  • Lifetime Allowance and International Enhancement

  • Tax on Death

  • Tax at Drawdown and options

  • Drawing a pension overseas

  • IHT protection

  • Asset Preservation Trust

  • Structuring your Wealth for tax efficiency


Topics Covered:

  • UK State Pension / making voluntary contributions

  • Understanding your CPF options when you leave Singapore


  • QROPS vs UK pension

  • What is a QNUPS?

  • When is a QROPS suitable?

  • Cash Flow Planning / Modelling

Ignoring the cost of delay can be financially damaging.

Take the next step and start a confidential discussion with an accredited Pensions specialist.

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Important notes

The presentations and videos included on this page are general communication provided for informational purpose only. It should not be relied upon as financial advice and it does not constitute a recommendation, an offer or solicitation. No responsibility can be accepted for any loss arising from action taken or refrained from based on this publication. All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted.

St. James’s Place (Singapore) Private Limited is regulated by the Monetary Authority of Singapore and is a member of the Investment Management Association of Singapore and Association of Financial Advisers (Singapore). Company Registration No. 200406398R. Capital Markets Services Licence No. CMS100851.


St. James’s Place (Hong Kong) Limited is an insurance broker company licensed with the Insurance Authority (Licence No. FB1075), a licensed corporation with the Securities and Futures Commission (CE No. AAV439) and registered as an MPF Intermediary (Registration No. IC000852).

St. James's Place (Shanghai) Limited is a Wholly Foreign Owned Enterprise (WFOE). WFOE registration No. 91310000566573326L.

The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are the marketing terms used to describe St. James’s Place representatives.

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