Lost track of your pension pots?
It’s easy breezy for us to find and round them up into an AJ Bell Ready-made pension for you. And it’s FREE
Your pensions, found, invested and managed
Our free pension finding service tracks down your lost workplace pensions and brings them together into one low-cost, low maintenance AJ Bell pension.
Having your retirement savings in one place means you pay just one low-cost annual fee instead of multiple charges. All you'll need to do is choose from four AJ Bell funds to invest your pension into.
- Free pension finding service
- Low cost and low maintenance
- 8x Which? Recommended Provider
Your pensions, found, invested and managed
Our free pension finding service tracks down your lost workplace pensions and brings them together into one low-cost, low maintenance AJ Bell pension.
Having your retirement savings in one place means you pay just one low-cost annual fee instead of multiple charges. All you'll need to do is choose from four AJ Bell funds to invest your pension into.
- Free pension finding service
- Low cost and low maintenance
- 8x Which? Recommended Provider
Investing over the long term typically outperforms cash savings, but values can fall as well as rise over time. Any information we provide is to help with your research and isn't financial advice.
Investing over the long term typically outperforms cash savings, but values can fall as well as rise over time. Any information we provide is to help with your research and isn't financial advice.
Three steps to simplify your pensions
Start your pension search
We’ll begin by setting up your AJ Bell account using a few quick details about you. Then, tell us about your previous employers so we can start tracking down your lost pensions.
We can search for most UK pensions — but we’ll let you know if there are any we can’t find.
Choose how your pension will be invested
Next, pick one of our three low-cost AJ Bell funds.
Any pensions we find will be automatically invested in your chosen fund, and managed by our team of experts so you don’t need to do anything.
And if you decide you want to switch funds at any time, it’s no problem — just let us know.
Pension builder fund
Powered by the Balanced fund. Aims for long-term growth. Investing in bonds alongside company shares to balance market fluctuations.
0.45% Annual charge
Cautious fund
Aims for steady long-term returns with our highest investment in bonds and lowest in company shares to minimise market fluctuations.
0.45% Annual charge
Adventurous fund
Aims to deliver maximum returns for those comfortable with sharper market fluctuations. Investing mostly in company shares, and sparingly in bonds.
0.45% Annual charge
Each fund has a different mix of investments, to suit different investors.
The Cautious fund has more invested in assets like cash and bonds and less in stock markets, which means it aims to give you a smoother ride – but it may deliver lower returns over the long term.
The Adventurous fund has more invested in stock markets – offering potentially higher returns that may come with a more volatile ride along the way.
The Pension builder fund, powered by the AJ Bell Balanced fund, offers a balanced approach to returns and volatility. Our 'Core option' because it's aimed at those who are seeking stability but aren't sure where to invest.
If you’re not happy with your choice down the line, you can switch investment funds easily. Just let us know which you’d like to swap to.
Not sure if an investment is right for you? Speak to a suitably qualified financial advisor to help you decide what’s best for you and your pension.
Leave the rest to us
That’s it! Your Ready-made pension account is live, you’ve chosen your investment fund, and your pension finder dashboard is ready.
Now we get to work tracking down your pensions — so you can finally take control of your retirement savings.
Is the Ready-made pension right for you?
We’ve created the Ready-made pension for those who want a low-cost, hands-off personal pension. It may be right for you if:
- You've lost track of old workplace pensions, and want to find them for free
- You haven't got the time or confidence to manage your pension investments
- You're happy with a choice of three funds, managed for you by AJ Bell experts
- You don’t need to access your pension for at least 5 years
If you want to have full control of your pension investment portfolio, want access to our entire range of investments, and want to access your pension sooner, our Self-invested personal pension (SIPP) may be more suitable for you.
Why choose AJ Bell?
We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re the only investment platform to be a Which? Recommended Provider eight years running.
We’ve got pension pedigree
As the UK's first online Self-invested personal pension provider, we know a thing or two about helping you save for retirement.
One simple, low-cost charge
You get one of the best value personal pensions with free pension finding and our low annual fund charge of 0.45%.
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.
Have a question?
If you'd still like to know more, take a look at our most popular questions below.
Can I open a Ready-made pension if I already have another type of pension?
You can still open a Ready-made pension if you've got another type of pension with another provider, such as:
- A personal pension
- A stakeholder pension
- A Self-invested personal pension (SIPP)
The AJ Bell Ready-made pension is currently only available to new AJ Bell customers. We're working on making this available to existing customers as soon as we can.
Please keep in mind that you will only be able to…
Read moreWho is Raindrop?
We’ve partnered with Raindrop, a UK pension-finding specialist, to power our Pension finding service. All activity relating to the transfer and automatic investment of the pensions found by Raindrop will be handled by AJ Bell.
After you submit a pension finding request, you’ll receive emails from both AJ Bell and Raindrop. The latter will come from the address: ajbell@myraindrop.co.uk. Raindrop…
Read moreAre you able to help me choose the AJ Bell fund for my Ready-made pension?
When you open a Ready-made pension, you’ll choose to invest your pension in one of three AJ Bell funds. These let you choose a fund that matches your goals and risk appetite.
We can’t give you any advice on which fund to choose for your Ready-made pension. If you need advice, please consult a suitably qualified financial adviser. Keep in mind that with all investments, performance isn’t guaranteed…
Read moreWhat pensions can’t you help me find?
With our Pension finding service, we can look for a wide range of pensions on your behalf. However, there are some that we're unable to track down and transfer over, including those that are:
These pensions are:
- From public sector jobs
- Associated with your current employer
- For a job you were in for less than three months
- For a job you left before your 22nd birthday
- For a job you held for less than two…
How does the pension finding service work?
Our free Pension finding service looks for a wide range of pensions you might hold. You can search for as many pensions as you’d like. Just click ‘Add more pensions’ from your Pension finder dashboard.
Once you’ve submitted your pension search, we’ll start looking. The process usually takes four to six weeks, though response times can vary depending on the pension provider.
We’ve partnered with…
Read moreHow do I pay into my Ready-made pension?
There are two methods of paying into your Ready-made pension:
- Single payment – this can made either through a bank transfer or your debit card, but just remember that your card must be registered in your name and to your home address. If it's the first time you're funding this account, you'll need to add at least £500. After that, there's no minimum payment amount.
- Regular payment – set up monthly…
Can I switch my investment to a different AJ Bell fund?
You can switch to a different AJ Bell fund whenever you like. As you can only hold one AJ Bell fund in your Ready-made pension at a time, when you want to switch, we’ll need to sell the fund you currently hold first.
To change your AJ Bell fund, log into your account and head to Ready-made pension fund choice in the Update my details section, choose the fund you want to switch to, and we’ll do the…
Read moreCan we help?
If you’d like more information about our Ready-made pension or free pension finding service, you can usually find the answers in our popular questions or get in touch with our friendly customer services team - we’re here to help.