Looking to retire in style?

Start with our low-cost SIPP

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.


A self-invested personal pension, or SIPP, is the ‘DIY’ pension. How much you put in, where you invest it, how much you take out from age 55 and older – it’s all up to you. You can also transfer other pensions to a SIPP, letting you manage your whole pot in one place. Like all pensions, SIPPs earn you tax relief. For every £80 you put in, the Government add £20 – and you can claim an extra £20 if you’re a higher earner.

An affordable, flexible pension pot

It’s free to open an AJ Bell Youinvest SIPP, and you can buy investments from as little as £1.50. Calculate my charges

  • New to investing? You can get a little, or a lot, of help from our specialists by choosing one of our investment ideas

  • Confident about picking your investments? We’ve thousands for you to choose from, and you can manage them online or with our mobile app. View investment options

We’re proud to have been the first company to offer an online SIPP. And even prouder of the many awards won since.

AJ Bell Youinvest Which
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Open a SIPP
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Ready to start? It only takes 15 minutes to open a SIPP online

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Learn more about investing

New to investing? We can get you started in three easy steps

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Combine my pensions

Have pensions elsewhere? It's easy to consolidate them

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Access my existing pension

Drawdown lets you access your pension flexibly – and affordably

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Pensions for the self-employed

Work for yourself? Find out how SIPPs could work for you

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Learn more about SIPPs

Get stuck into our comprehensive SIPP guide

How much can I pay into my SIPP?

You can usually pay up to 100% of your salary into your SIPP each tax year, up to £40,000.

As well as paying into your SIPP yourself, you can ask your employer to pay part of your salary in directly (known as ‘salary sacrifice’). More about employer contributions.

Is a SIPP right for me?

A SIPP gives you control over your pension. But that also means you need to be happy looking after it yourself.

Our investment ideas let you leave some of the legwork to us, and we publish regular articles and videos to help you get the measure of the markets. But we don’t offer advice on which investments to pick – so you’ll need to be confident about taking matters into your own hands.

On our site you can read about how SIPPs work and learn about their tax benefits. We’ve also pointers on how to protect yourself from pension fraud. You should also read our key features before you open a SIPP.

Have any questions? You can start a webchat with one of our friendly experts, or why not just send us a message.

An AJ Bell Youinvest account makes managing your portfolio easy. Watch our video to learn how

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 £68.7 billion in assets under administration.

Our awards

We're a Which? Recommended Provider four years running – in 2019, 2020, 2021 and 2022. We are also proud to be named a Which? Recommended Provider for SIPPs for three years in a row – 2020, 2021 and 2022.

View all our awards