Pension builder fund
Our balanced fund to get you building a pension the easy way
Kick-start investing in your pension
We know pensions. We also know that deciding where to invest your pension can be difficult. That's why we created the Pension builder fund.
Powered by the AJ Bell Balanced fund and managed by our expert investment team, it’s our ‘core’ option for those unsure where to begin. If you need advice, please speak to a financial adviser.
- Steady growth without the high risk
As our most balanced fund, the Pension builder is designed for growth while keeping unpredictability at bay. - For those unsure where to start
While not tailored for specific needs, it has been built for those who want to invest their pensions, but don’t know where to begin. - Hands-off pension investing
Our experts carefully manage the Pension builder fund to keep your money working hard, no matter the market conditions. - Long-term investing
More suited for those who are prepared to invest over the long term.
Kick-start investing in your pension
We know pensions. We also know that deciding where to invest your pension can be difficult. That's why we created the Pension builder fund.
Powered by the AJ Bell Balanced fund and managed by our expert investment team, it’s our ‘core’ option for those unsure where to begin. If you need advice, please speak to a financial adviser.
- Steady growth without the high risk
As our most balanced fund, the Pension builder is designed for growth while keeping unpredictability at bay. - For those unsure where to start
While not tailored for specific needs, it has been built for those who want to invest their pensions, but don’t know where to begin. - Hands-off pension investing
Our experts carefully manage the Pension builder fund to keep your money working hard, no matter the market conditions. - Long-term investing
More suited for those who are prepared to invest over the long term.
In making the AJ Bell balanced fund available to you, we are not giving you personal advice. Before you invest you need to make sure that you understand all the risks and are comfortable that this investment is right for you. The value could go down as well as up. Make sure you read the factsheet and KIID before investing to understand the full picture
In making the AJ Bell balanced fund available to you, we are not giving you personal advice. Before you invest you need to make sure that you understand all the risks and are comfortable that this investment is right for you. The value could go down as well as up. Make sure you read the factsheet and KIID before investing to understand the full picture
Important information
Make sure you also read the KIID (key investor information document), factsheet and quarterly report. Each contain essential information on the fund to help you decide whether to invest.
Our most popular Pension builder fund questions
Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about our Pension builder fund.
You can open an AJ Bell account online in just a few short steps. You’ll need to have some information to hand, including your:
- Personal details
- National Insurance Number
- Debit card
- The details of any account you may be transferring in
Once you've opened your new account, you'll need to make an initial minimum deposit, so that your account is funded. Before opening an account, please make sure you read…
Read moreThe Pension builder fund is powered by the AJ Bell Balanced fund. You can hold it in an AJ Bell SIPP, or it can be your investment option in a Ready-made pension.
You can invest in it in various ways:
If you're new to AJ Bell: We’ll give you information on the fund and offer you the option to invest in it when you first apply for a SIPP. You’ll have the option again if you add money at a later date…
Read moreWith an AJ Bell SIPP, you can invest some of the money into the Pension builder fund and put the rest into your choice of other investments.
We provide a wide range of investment options, including:
- Shares
- Funds
- Investment trusts
- Exchange traded funds (ETFs)
- Bonds and gilts
If you choose the Pension builder fund in our Ready-made pension, all money in the account will be invested into that fund. As such…
Read moreNeed more help?
Our customer support team are here to help when you need it. Here’s how to get in touch.
Still not sure about opening a personal pension?
We get it. Deciding how to save for retirement can be difficult, especially if you’re unsure where you should invest. Here, our in-house experts help you by sharing their investing knowledge.

Open a SIPP
An AJ Bell SIPP gives you complete flexibility on how much you save for retirement and allows you to decide when and where your pot is invested.

Investment options
Choose from a wide range of investment including shares, funds, investment trusts, and ETFs.

Get pension smart
Get comfortable with pensions and what you need to know about them, with a little help from us.
We're here to help you invest
We’ve been helping our customers put their money to work for over 30 years. And with over 620,000 customers, that’s a lot of people taking control of their financial futures.
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 a Which? Recommended provider seven years running, 2019-2025.
So, when you're ready to feel good, investing, we're here to help.