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. By making the Ready-made pension and AJ Bell funds available to you, we’re not making a personal recommendation.
Why start a pension?
No matter where you are in life, it’s always a good time to plan for your retirement.
A personal pension can help you build a source of income to enjoy in your later years alongside any workplace or state pensions you may already have.
Available to anyone 18 years old and above
You choose how your money is invested
The government tops up what you pay in by 20%
Gain access to your pot from age 55 (57 from 2028)
Building for your future should be easy
That's why we’ve kept it simple by offering two types of personal pension accounts. All you need to do is decide how hands-on you want to be in choosing and managing your investments.
What’s more, if you're anything like most people, you'll have lost track of some or maybe all your previous employer pensions – we'll help you find those too, with our free Pension finder tool. But first, choose which account best suits you.
This may be for you if you're comfortable managing your portfolio, are happy making your own investment decisions, and want access to the full AJ Bell investment range.
This may be for you if you want to invest your pension, don’t want the hassle of managing it, or don’t know where to start. Just pick from our four growth funds, and we’ll do the rest.
If you want to start building for a child or grandchild’s long-term future, we also offer a Junior SIPP. Much like our adult SIPP account, you’ll need to be comfortable managing your portfolio and making your own investment decisions.
Currently, our Ready-made pension is only available to new AJ Bell customers. You can only hold one pension account at a time, so if you already have an AJ Bell SIPP, you will not be able open a Ready-made pension and vice versa.
Track down a lifetime of lost pensions
With our Pension finder service, we’ll track down pensions from your previous employers* and transfer them into your chosen AJ Bell pension.
You’ll need to have an AJ Bell account to use this service. Once you do, we’ll just need a few details about your previous employers – we can then track down old workplace pensions. This usually takes 6-8 weeks, and once found, we’ll combine them into your personal pension account.
Learn more about our Pension finder
*Most lost UK pensions can be combined into an AJ Bell Ready-made pension, but there are exceptions. Pensions with special guaranteed benefits, any public sector pensions, or those from jobs left before 1990 cannot be combined. If you have any lost pensions that cannot be moved to a Ready-made pension, or if you need financial advice before transferring to us, we will notify you.
Still unsure about your pension?
We get it, planning for retirement can be daunting and confusing. If you want to know more about saving for retirement or tips on how to make your pension last as long as you need, find out more below.
Having multiple pensions can mean it’s difficult to get an overall picture of your retirement savings. Discover why and how you should combine your pension pots.
Should you invest your pension money or keep it as cash? Learn about important things to consider when looking to grow your retirement savings.
Learn about the different types of accounts you can open to start saving for retirement, such as a pension or Lifetime ISA, and how much you might need.
Why choose AJ Bell?
As one of the UK’s largest and most popular investment platforms, we want to help you feel good, investing.
Here are just some of the reasons why over 503,000 customers have an AJ Bell account.
We’ve got
pension pedigree
As the UK's first online Self-invested personal pension, we know a thing or two about helping you save for retirement.
You’re in safe
hands
We’re listed on the FTSE 250, so you know you’ve got one of the UK’s largest and financially secure SIPP providers behind you.
The support you need,
the way you need it
Whether it’s over the phone, email or webchat, our friendly team will be there to support you.
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.
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.