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

Getting a decent retirement fund is getting harder, not least because the Government has reduced the amount you can put into a pension each year, but if you want to help your child get a headstart, you should consider a Junior SIPP.

  • 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

A 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.

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 £54.7 billion in assets under administration.

Our award-winning accounts

We're proud to win Best Online Investment Platform 2019 at the Your Money awards

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What our customers say about us

"Very user friendly website, easy to set up account(s) and easy to monitor investments. Also, plenty of helpful information to help make investment decisions."

"I am glad I opened an ISA with your company, massive range of investments & shares that you can choose from. I will definitely refer people as AJ Bell is a fantastic company who has a dedicated team that is very helpful and always willing to help, respond back to you very quickly especially if it’s an urgent matter."

"Very straightforward to set up an account online and arrange ISA transfer in to my account."

"Easy to use and excellent support when needed. Reasonable charges."

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 £54.7 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.

Read more about us