#14: St James's Place CEO: Budget Speculation Damaged People's Pensions

第14条:圣詹姆斯广场首席执行官:预算猜测损害了人们的养老金

Business Matters

2025-12-03

40 分钟
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Speculation surrounding the UK budget hurt the UK pension industry, that's according to Mark Fitzpatrick, Chief Executive of St. James’s Place, the UK's biggest wealth management company. He highlights how uncertainty in government policy has led to premature pension withdrawals, with many individuals acting on speculation rather than long-term strategy. Fitzpatrick also delivers a comparison between the UK and the USA investors saying there's a marked difference in cultural attitudes towards investing. He observes that Americans are more likely to discuss and celebrate investment, viewing wealth as a sign of progress and success, while in the UK, there is a greater tendency towards risk aversion and reluctance to talk about money. This cultural divide is reflected in the proportion of adults investing in stocks, with the US showing much higher participation rates. The conversation also turns to the role of technology and the potential for an artificial intelligence bubble and its impact on the investment world. He considers whether current enthusiasm for AI could lead to overvaluation and what measures they've taken to soften the impact of any AI bubble bursting. The interview explores the impact of AI on personal finance, the importance of human relationships in financial advice, and the need for balanced perspectives as technology continues to shape the future of investing and pensions. 0:00 – Fliss and Sean welcome 2:30 – Mark Fitzpatrick joins the pod & discuss UK attitudes toward investing 10:00 – Growth of female investment 14:00 – Crypto investing & generational wealth 18:00 – Budget impact on pensions 27:00 – SJP fees issue and cultural changes 36:00 – Ai bubble Presenter: Sean Farrington Producer: Olie D'Albertanson Editor: Henry Jones
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  • Hello and welcome to Big Boss Interview.

  • Sean Farrington is with me and Sean,

  • you've been speaking to Mark Fitzpatrick, the CEO of St James's Place.

  • Yes, very interesting person to speak to,

  • partly because St James's Place are an investment group that have more than £200 billion of people's money under their watch that they are investing.

  • So, unsurprisingly, he has many thoughts on what should be happening with that money,

  • what his potential customers his customers he had should be thinking about doing with their money and all the things going on in the world that can influence that whether it was from the budget some interest really interesting stuff he had to say about what the speculation in the run up to the budget not just this year but last year as well the impact that has had on major decisions people are taking with their pensions that was fascinating to hear that but also right across the board like why is it in the UK we're just not up

  • for investing our cash the way say Americans are we we don't like to talk about doing that kind of thing with our money in a way that many others around the world like to do we're much more risk averse we got into some of the reasons behind that we had a bit of a debate at times about some of the reasons behind that as well.

  • There was plenty for us to get stuck into.

  • We're used to dealing with some big numbers on this team,

  • but 200 billion quid is a pretty big number no matter which way you're looking at it.

  • Did you address the elephant in the room, though, with St James's Place?

  • Yeah, well, it didn't feel like an elephant in the room, actually.

  • This is the concerns that many had about St James's Place for quite a few years,

  • about its level of its fees, what St James's Place was doing with that money.

  • The regulator ended up getting involved and, along with changes right across the industry,

  • St James's Place, having to make some pretty big changes.

  • Mark Fitzpatrick came in effectively to carry out a lot of those changes.