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. We don’t offer investment advice, so you’ll need to be confident you can manage your SIPP yourself.
SIPPs at a glance
A self-invested personal pension (SIPP) is the pension that puts you in control of your retirement and investments. You’ve complete flexibility to decide how much you save, and when and where your pot is invested. Like all pensions, your savings can grow tax-free, and could be topped up from UK Government tax relief.
A top-up from the UK GovernmentIt only costs 80p of your own money to save £1, thanks to SIPP tax relief. And it’s even more efficient if you’re a higher earner. Read more on SIPP tax benefits.
Your pension, in your handsIn a SIPP, you manage your pension yourself - that includes deciding where it's invested and has the best opportunity to grow - and enjoy free access to your retirement savings when you come to access it from age 55 (rising to 57 from 2028) onwards.
All your pots, one roofOpen a SIPP alongside your existing pensions – or transfer them in and manage everything in one online account.
You can put 100% of your earnings into a SIPP, up to a maximum of £60,000 per tax year. And you can carry forward unused allowances from the three previous tax years. Learn more about SIPP allowances
Invest up to £60,000 a year
Why choose AJ Bell as your SIPP provider?
We’re one of the UK’s largest and best regarded investment platforms, trusted by over 499,000 customers. Here are some of the reasons why investing with AJ Bell feels so good.
You’re in controlWhether you use a financial adviser or manage your investments yourself, we offer a range of easy-to-use products and services, including our mobile app, to help you hit your financial goals. See a list of our award-winning products.
You’re in safe handsWe’re listed in the FTSE 250, so you know you’ve got one of the UK’s largest and financially secure SIPP providers behind you.
You get great valueOur charges are among the lowest in the market - you can buy investments from £1.50, and it costs just 0.25% a year to hold them with us. With options to suit all kinds of investors, you can be sure you’re getting one of the best value platforms in the UK.
You get top serviceWe’re here to help. Whether it’s over the phone, email or webchat, our friendly team will always be straight-talking and transparent.
0.25% annual account charge
Lower charges mean a larger pension pot. With us, you can hold your SIPP investments for just 0.25% a year, and deal online for as little as £1.50.
Your AJ Bell SIPP account features
Move with the market – log in 24/7 and deal on the go with our iOS and Android apps
Huge investment choice – choose from 2,000+ funds, shares across UK and international markets, hundreds of exchange-traded funds (ETFs), investment trusts and many more investment options
Invest regularly – grow your pension gradually by putting in as little as £25 a month with our regular investment service
Live UK prices – deal exactly when it's right for you
Free investment magazine – all AJ Bell customers enjoy full access to Shares digital magazine
Three ways we can help you invest your pension
Our low-cost fund, designed to help you save for retirement, managed by our in-house experts
Pension Builder fund
AJ Bell funds
Leave the hard work to us. Just choose your fund, and how much to put in.
Leave it to an expert
Starter portfolios
Hit the ground running. Choose an AJ Bell Starter portfolio and manage it yourself.
Choose your portfolio
Favourite funds
Narrow the field. Choose from our rigorously researched shortlist of global funds.
View fundsWhat can I invest in?
With an AJ Bell SIPP, how you choose to invest and manage your portfolio is down to you.
You've a wide range of options - including shares, funds, investment trusts and exchange-traded funds (ETFs).
Choose from more than 2,000 funds, helping you build a diversified portfolio.
Invest in thousands of companies on UK and international markets.
Pick from more than 450 investment trusts across a broad range of sectors.
Choose from a range of ETFs which track your choice of index or benchmark.
Good to know about SIPPs
What are SIPPs?
SIPPs are ‘DIY’-style pensions that gives you the freedom to invest your pot where you like, alongside all the usual pension perks like tax relief. You can also ask your employer to pay part of your salary in directly to your SIPP (known as ‘salary sacrifice’). When you’re 55 or older (rising to 57 in 2028), a SIPP can give you more flexibility when you come to access your pot.
Learn more about what SIPPs are and how they work.
What’s the difference between a personal pension and a SIPP?
A personal pension is a pension you set up yourself (unlike a workplace pension or state pension). These are also known as defined contribution or ‘money purchase’ pensions, because the amount you receive in retirement depends on the amount you pay in.
A SIPP, simply, is a type of personal pension. It offers you wide investment choice and the freedom to manage your pot yourself. See our guide on pensions explained for more information.
Is a SIPP right for me?
You’re in control with a SIPP – meaning you need to be happy managing your pension yourself. Our investment ideas let you leave some of the legwork to us, but we don’t offer personal advice on which investments to pick. So, you’ll need to be confident about taking matters into your own hands.
As a SIPP is a pension, remember you won’t be able to make withdrawals until age 55 (rising to 57 in 2028). Before opening an account, please read our SIPP key features, risks and terms and conditions to make sure it’s right for you.
Invest up to £60,000 into an AJ Bell Self-invested personal pension today
Set up a SIPPFurther reading on pensions
We'll help you get investing
For over 25 years, AJ Bell has made investing simple and affordable. We’re a 5x Which? Recommended Provider, with an award-winning range of accounts.
Can we help?
If you’d like more information about AJ Bell’s accounts and services, get in touch with our friendly customer services team - we’re here to help.