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ChasnotRobert
https://www.which.co.uk/news/2017/07/exclusive-wealth-manager-st-jamess-place-misleading-customers-on-charges/
"SJP is extremely expensive – 5% upfront costs are typical, 40% higher than you’d typically pay for the advice of an IFA"
Well, I'm gonna have a meeting with them in a week or so and will see what their fees work out at. I want an employee pension fund for my limited company but I also want a personal fund, a SIPP or whatever it is.
Could put a bit in the managed fund to see how it does vs say that vanguard thing as a personal pension. If they're shit though, they sting you if you leave before 6 years I think.
I don't like paying penalty rates but having something hopefully growing is better than nothing.