Remember that investments go up and down in value, and you could lose money as well as make it. How you’re taxed will depend on your circumstances, and pension and tax rules can change.

Junior SIPP

Saving enough for retirement can take a lifetime. But you can give your little ones a big head start by opening a Junior SIPP. Not only are your contributions topped up by government tax relief, but the investments you make have decades to grow. By the time your child retires, even a modest pot could be a massive one.

AJ Bell Youinvest Which
  • The benefits of our Junior SIPP

  • Low dealing charges

  • Tax efficient

  • Annual limit of £3,600

  • Wide range of investment options

  • Make regular investments from £25 per month

  • Manage account online

  • No access until retirement age

Parent playing with childA guide to investing for children

You can give your child a head start in life with a Junior ISA or SIPP.

Advantages of an AJ Bell Youinvest Junior SIPP

It may seem a little premature to start putting money into a SIPP for your child or grandchild at birth, but the tax relief that is available on the contributions makes this a particularly attractive – if long term – way to save for your child’s future. The money is tied up until they reach retirement age, which is set to increase from the current age of 55, so this money will not be accessed any time soon.

You can open a Junior SIPP online easily and choose from a wide range of investment options. If you are looking to save monthly, our regular investment service allows you to invest from £25 a month at just £1.50 a deal.

Anyone can put money into a Junior SIPP as long as it is within the £3,600 annual contribution limit, which includes tax relief. In short, you can put up to £2,880 a year into the Junior SIPP, and the Government will add tax relief at 20% to make this up to £3,600.

Additionally, if you have a SIPP account with us you can link your child's SIPP to your account, making each easier to manage.

Thinking of opening an account? Watch our welcome video to see how it works

Invest up to £2,880 into a self-managed AJ Bell Youinvest Junior SIPP today

Open a Junior SIPP

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We make investing easier

For nearly twenty years, AJ Bell Youinvest has helped people invest in the life they want to live. We’re part of AJ Bell, one of the largest investment platforms in the UK, with £74.1 billion in assets under administration.

Our awards

We're a Which? Recommended Provider four years running – in 2019, 2020, 2021 and 2022. In 2020, we were also proud to have won Best Execution Only Broker at the 2020 ADVFN International Financial Awards.

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What our customers say about us

We’re here to make things easier for you

Sometimes tackling your investments can seem like a real headache. That’s why we strive to do one thing here at AJ Bell Youinvest – to make investing as easy as possible for you.

AJ Bell is now one the UK's largest online investment platforms, with £74.1 billion in assets under administration.

We’ve succeeded by staying true to our beliefs, by understanding your needs as a DIY investor and by providing award-winning accounts, backed up with excellent service at a low cost.

Regulated by the Financial Conduct Authority, we take your security as seriously as you do, and have comprehensive measures in place to keep you and your money safe. You can find out more by visiting our security centre.

So whatever stage you’re at, we’re sure we can help you manage your money and your future.

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