Pension builder fund

The Pension builder fund is AJ Bell’s low-cost standard option, designed to help you invest the money you’ve paid into your pension.

If you’re not quite ready to start building your own investment portfolio, it can be tempting to leave your money in cash or not get started at all. That’s why pension providers now offer a ‘standard’ pension investment option to customers. AJ Bell’s is called the Pension builder fund. Just remember – by offering a standard option, we’re not making a personal recommendation.

The fund is managed by our in-house experts. It aims to achieve consistent growth over the long term by mixing more defensive assets such as bonds with more aggressive assets such as company shares.

See full details for our Pension builder fund

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Popular terms

Alternative Investment Market (AIM)

The junior marketplace of the London Stock Exchange, acting as a way for small and medium-sized growth companies to access investors. There are weaker regulatory requirements for companies that want to list on the AIM compared to the Main Market, which can mean less protection for investors.

AJ Bell offers dealing within the AIM market via our investment platform.

Aquis Stock Exchange

An alternative junior marketplace to the Alternative Investment Market (AIM), offering a place for small and typically less mature companies to trade their shares. This is separate to and not owned by the London Stock Exchange.

Companies listed on the Aquis Stock Exchange tend to be at a very early stage of development with low levels of liquidity and little or no trading history, making them harder to buy or sell – and therefore a riskier investment.

AJ Bell offers dealing within the Aquis Stock Exchange via our investment platform.

Bond

A type of investment in which you lend money to a company or government. In return you get interest payments and repayment of the money you lent at the end of a specific term. The interest rate and term are set at the start of the investment.

Investing in bonds is generally considered safer than shares. But there are still risks, primarily default risk (i.e. the company or government becoming insolvent), inflation risk, and the risk that interest rates rise over time.

A bond issued by the UK government is also known as a gilt. You can buy bonds directly, as well as invest in funds that hold bonds.

See our bond offering Read more about bonds