Pensions | See our Pension Accounts

Why should I have a personal pension?

For many, it’s to have the freedom and security to enjoy their later years. A personal pension is essentially a long-term account to support your state or employer pension when you decide to retire – and it also comes with some great tax advantages.

See our range of accounts

What is a pension?

Why should I have a personal pension?

For many it’s to have the freedom and security to enjoy their later years. A personal pension is essentially a long-term account to support your state or employer pension when you decide to retire – and it also comes with some great tax advantages.

Invest up to £60,000 per tax year
Your pension annual allowance lets you invest 100% of your income up to £60,000 (including your employer contributions).
A top-up from the taxman
It only costs 80p of investment to save £1, thanks to 20% government tax relief. And it’s even more efficient if you’re a higher earner.
Tax-free growth
All growth is free from capital gains and income tax.

See our range of accounts

What is a pension?

Self-invested personal pension

Take control of your pension with our hands on Self-invested personal pension (SIPP).

Key benefits:

Free Pension finder service
Access to the full AJ Bell investment range
You choose how, when and where your pension is invested

Charges:

Deal from £1.50 and never pay more than 0.25% annual account charge

Ready-made pension

Let our experts manage your investments with our low-cost, hassle-free pension.

Key benefits:

Free Pension finder service
Simple, streamlined AJ Bell investment range
Your investments managed by AJ Bell's expert team

Charges:

One simple charge of either 0.45% or 0.60% depending on your choice of fund

Junior Self-invested pension

Kick-start your little one’s pension with our hands on, self-invested account.

Key benefits:

£3,600 annual investment allowance
Access to the full AJ Bell investment range
You choose how, when and where their pension is invested

Charges:

Deal from £1.50 and never pay more than 0.25% annual account charge

How much do I need to retire?

Understanding how much you need depends on what sort of lifestyle you want to have once you finish working.

The Pensions and Lifetime Savings Association (PLSA) say that people typically fall into one of three living standards: minimum, moderate and comfortable – giving you a guideline of how much you may need each year.

If you’re not sure, see what our experts say about saving for retirement.

See ways of saving for retirement

How much do I need to retire?

Understanding how much you need depends on what sort of lifestyle you want to have once you finish working.

The Pensions and Lifetime Savings Association (PLSA) say that people typically fall into one of three living standards: minimum, moderate and comfortable – giving you a guideline of how much you may need each year.

If you’re not sure, see what our experts say about saving for retirement.

More about retirement