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Journey through a
woman's financial milestones

Uncovering the Realities

Women face unique challenges and financial decisions throughout their lives, many of which will impact their ability to save adequately for the long-term and in particular, retirement.


Even today, women are still adversely impacted by the gender pay gap and are more likely to have to take career breaks to raise a family or look after elderly relatives. Some women in the so-called ‘sandwich generation’ where they are caring for elderly parents while still raising their children, often face a dilemma when it comes to moving wealth between generations.


But these are not the only hurdles women will face – throughout women’s lives, whether they have children or not, there are many obstacles that they will need to overcome. Added to this women’s longer life expectancy and subsequent longer retirements mean, that they are likely to need even more money later in life than men.

"Education is the key to unlocking the world, a passport to freedom."

Oprah Winfrey

Prioritise your financial focus no matter what life stage you are at


The adventurous years
of early adulthood

Finding a job and pursuing a career becomes one of the top priorities at this stage but when should you start planning your journey towards achieving financial independence?

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Blossoming through middle adulthood

This is the perfect time to give your retirement savings a health check-up. How has your life changed and are you on track to creating a sustainable retirement in the future?


Enjoy your golden years during late adulthood

Whether you wish to change to working a part-time job or enjoy your retirement by travelling around the world, how can you plan to be self-sufficient?

About half of Singaporeans and Hong Kongers believe they won't have enough money saved for a comfortable retirement.
Source: St. James’s Place Asia Retirement and Wealth Planning
Survey, 2020, undertaken by Sandpiper Communications, 2,064 respondents

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Important Notes​

The guide provided by St. James's Place Wealth Management is 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.

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

Members of the St. James’s Place Partnership in Singapore represent St. James’s Place (Singapore) Private Limited, which is part of the St. James’s Place Wealth Management Group, and it 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.

Members of the St. James’s Place Partnership in Hong Kong represent St. James’s Place (Hong Kong) Limited, which 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).

Members of the St. James’s Place Partnership in Shanghai represent St. James’s Place (Shanghai) Limited which is part of the St. James’s Place Wealth Management Group and is a Wholly Foreign Owned Enterprise (WFOE). WFOE registration No. 91310000566573326L. Please note that due to local legislation we are unable to offer our financial planning services to nationals of the People’s Republic of China.

St. James’s Place Wealth Management Group Ltd Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom. Registered in England Number 02627518.

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