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<br /> ISSUE 104 | WINTER 2020<br /> EXCLUSIVE<br /> BARONESS<br /> CAMILLA<br /> CAVENDISH<br /> future<br /> ON THE<br /> socOFial<br /> care<br /> WELCOME<br /> A<br /> new year, a new decade… welcome to the 2020s and the<br /> latest issue of The Investor. In this edition, we explore how a<br /> progressive St. James's Place is encouraging debate, driving<br /> industry change and adapting for the future.<br /> As the dust settles following the recent election, Baroness Camilla<br /> Cavendish examines the real costs of care funding and what the future<br /> might hold for one of the most pressing political issues of our time.<br /> And, as part of a broader call to arms to close the gender pension gap,<br /> we reveal an innovative project our organisation has helped launch to<br /> make long-term savings, investments and pensions more engaging and<<a title="SJP UK The Investor Winter 2019 page 1" href="https://secure.viewer.zmags.com/publication/10596323?page=1"> ISSUE 104 | WINTER 2020 EXCLUSIVE BARONESS C</a> <a title="SJP UK The Investor Winter 2019 page 2" href="https://secure.viewer.zmags.com/publication/10596323?page=2"> WELCOME A new year, a </a> <a title="SJP UK The Investor Winter 2019 page 3" href="https://secure.viewer.zmags.com/publication/10596323?page=3"> WINTER 2020 CONTENTS 20 4 News A new c</a> <a title="SJP UK The Investor Winter 2019 page 4" href="https://secure.viewer.zmags.com/publication/10596323?page=4"> NEWS Help to shape the St. James's Place vision </a> <a title="SJP UK The Investor Winter 2019 page 5" href="https://secure.viewer.zmags.com/publication/10596323?page=5"> St. James's Place appoints new Non-executive Dire</a> <a title="SJP UK The Investor Winter 2019 page 6" href="https://secure.viewer.zmags.com/publication/10596323?page=6"> NEWS Investment Association launches responsi</a> <a title="SJP UK The Investor Winter 2019 page 7" href="https://secure.viewer.zmags.com/publication/10596323?page=7"> It can conjure up images of robots and f</a> <a title="SJP UK The Investor Winter 2019 page 8" href="https://secure.viewer.zmags.com/publication/10596323?page=8"> Almost seven in ten global asset managers surveye</a> <a title="SJP UK The Investor Winter 2019 page 9" href="https://secure.viewer.zmags.com/publication/10596323?page=9"> social and governance criteria is another example</a> <a title="SJP UK The Investor Winter 2019 page 10" href="https://secure.viewer.zmags.com/publication/10596323?page=10"> As glimmers of optimism return to the property se</a> <a title="SJP UK The Investor Winter 2019 page 11" href="https://secure.viewer.zmags.com/publication/10596323?page=11"> FUTURE OPPORTUNITIES ANDTHREATS The shortage of a</a> <a title="SJP UK The Investor Winter 2019 page 12" href="https://secure.viewer.zmags.com/publication/10596323?page=12"> gap Closing the Amid increasin</a> <a title="SJP UK The Investor Winter 2019 page 13" href="https://secure.viewer.zmags.com/publication/10596323?page=13"> 4 ways to narrow the gap T </a> <a title="SJP UK The Investor Winter 2019 page 14" href="https://secure.viewer.zmags.com/publication/10596323?page=14"> By the numbers 1.2 million Women in their 50s</a> <a title="SJP UK The Investor Winter 2019 page 15" href="https://secure.viewer.zmags.com/publication/10596323?page=15"> 䥭慧攺⁄慶楤⁂敢扥爯乥睳⁌楣敮獩湧 周e social care conundrum:</a> <a title="SJP UK The Investor Winter 2019 page 16" href="https://secure.viewer.zmags.com/publication/10596323?page=16"> 䕸灥rts wei杨 in NICOLA TAYLOR 䍅O, 䍡re Advi</a> <a title="SJP UK The Investor Winter 2019 page 17" href="https://secure.viewer.zmags.com/publication/10596323?page=17"> manifesto was studiously vague, pledging to seek </a> <a title="SJP UK The Investor Winter 2019 page 18" href="https://secure.viewer.zmags.com/publication/10596323?page=18"> Flower power and the pursuit of financial securit</a> <a title="SJP UK The Investor Winter 2019 page 19" href="https://secure.viewer.zmags.com/publication/10596323?page=19"> Images: FLOWERBX AN IDEA GERMINATES “As a workin</a> <a title="SJP UK The Investor Winter 2019 page 20" href="https://secure.viewer.zmags.com/publication/10596323?page=20"> 啳e it or lose it: year-end ta砠ti灳 F Now’s th</a> <a title="SJP UK The Investor Winter 2019 page 21" href="https://secure.viewer.zmags.com/publication/10596323?page=21"> 20s FACT Ni</a> <a title="SJP UK The Investor Winter 2019 page 22" href="https://secure.viewer.zmags.com/publication/10596323?page=22"> ANNUAL ALLOWANCES AND EXEMPTIONS Reducing taxabl</a> <a title="SJP UK The Investor Winter 2019 page 23" href="https://secure.viewer.zmags.com/publication/10596323?page=23"> ANNUAL ALLOWANCES AND EXEMPTIONS Estate planning</a> <a title="SJP UK The Investor Winter 2019 page 24" href="https://secure.viewer.zmags.com/publication/10596323?page=24"> THE INVESTOR CENTRE The quarterly report End of </a> <a title="SJP UK The Investor Winter 2019 page 25" href="https://secure.viewer.zmags.com/publication/10596323?page=25"> THE QUARTERLY REPORT their decis</a> <a title="SJP UK The Investor Winter 2019 page 26" href="https://secure.viewer.zmags.com/publication/10596323?page=26"> THE INVESTOR CENTRE Portfolio overviews Winter 2</a> <a title="SJP UK The Investor Winter 2019 page 27" href="https://secure.viewer.zmags.com/publication/10596323?page=27"> PORTFOLIO OVERVIEWS CONSERVAT</a> <a title="SJP UK The Investor Winter 2019 page 28" href="https://secure.viewer.zmags.com/publication/10596323?page=28"> THE INVESTOR CENTRE Growth Portfolios Asset al</a> <a title="SJP UK The Investor Winter 2019 page 29" href="https://secure.viewer.zmags.com/publication/10596323?page=29"> PORTFOLIO OVERVIEWS ADVENTUROUS Th</a> <a title="SJP UK The Investor Winter 2019 page 30" href="https://secure.viewer.zmags.com/publication/10596323?page=30"> THE INVESTOR CENTRE Income Portfolios Asset al</a> <a title="SJP UK The Investor Winter 2019 page 31" href="https://secure.viewer.zmags.com/publication/10596323?page=31"> VIE坐OINT Viewpoint 儦䄠睩t栠䵩c桡el PowerⰠstrate杩st a</a> <a title="SJP UK The Investor Winter 2019 page 32" href="https://secure.viewer.zmags.com/publication/10596323?page=32"> THE INVESTOR CENTRE advance early diagno</a> <a title="SJP UK The Investor Winter 2019 page 33" href="https://secure.viewer.zmags.com/publication/10596323?page=33"> VIEWPOINT What are the consequences of r</a> <a title="SJP UK The Investor Winter 2019 page 34" href="https://secure.viewer.zmags.com/publication/10596323?page=34"> THE INVESTOR CENTRE INSIGHTS Getting to</a> <a title="SJP UK The Investor Winter 2019 page 35" href="https://secure.viewer.zmags.com/publication/10596323?page=35"> PUTTING FAMILY FIRST The growing generational w</a> <a title="SJP UK The Investor Winter 2019 page 36" href="https://secure.viewer.zmags.com/publication/10596323?page=36"> TAX YEAR-END PLANNING Each tax year</a>