Junior SIPP

Set your little ones up with our low-cost account – an easy, tax-efficient way to build for their tomorrow, today. 

Open a Junior SIPPView charges

Kick-start your child’s pension with a Junior SIPP

It’s never too early to plan for your financial future – and the same goes for the little ones in your life.

With decades of potential growth ahead, a Junior Self-invested personal pension (Junior SIPP) is an excellent way to save for their retirement.

Open a Junior SIPP

  • £3,600 annual Junior SIPP allowance
    With a £3,600 annual limit per child, anyone can contribute to a Junior SIPP.
  • Tax-free investing
    There’s no capital gains tax or income tax on investment growth, giving you years of tax-free potential.
  • 20% government tax relief
    It only costs 80p of investment to save £1, thanks to 20% government tax relief on adult SIPP and Junior SIPP accounts.
  • Invest however you like
    Much like an adult SIPP, with a Junior SIPP, you choose exactly how you want to invest your money.
  • Start investing from just £25
    Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £500 payment, or transfer an account for free.

We keep our SIPP charges low

Our low-cost charges mean you have more money available to get the best value from your investments.

Account charge

Never pay more than
0.25%

Dealing charge

Invest monthly free of charge, or deal online any time from
£1.50

Charges calculator View charges

Choose your investments

You’re the decision maker when it comes to choosing how and where to invest your Junior pension. Although we can’t give you recommendations, we can support you along the way by taking the confusion out of investing.
Man choosing his portfolio

I need some ideas

Here you’ll find our AJ Bell managed funds, as well as a list of standout funds that we’ve chosen based on value and potential for growth, and Starter portfolios built by our experts and managed by you.

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Show me all the options

See our full range of investment options across all markets and sectors, including over 4,000 funds, shares, trusts, ETFs, bonds and gilts – with dealing charges starting from just £1.50.

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Pension builder

Powered by the AJ Bell Balanced fund and managed by our expert investment team, it aims for steady investment growth, without taking on higher risk. 

Expert tips on... Junior SIPPs

Charlene Young

Charlene Young
Pensions and Savings Expert

Understanding how a Junior SIPP works and how to manage the account is important for anyone interested in investing for a child.

 

  • You can open a Junior SIPP for a child if they're under 18, and you're their parent, or in a position of parental responsibility.
  • You can monitor and manage your child’s pension alongside your own AJ Bell portfolio with family linking.
  • Junior SIPP rules mean family members can pay in up to £3,600 a year for a child (with 20% tax relief) to get them started on the way to their retirement.
  • These ultra long-term gifts can be invested into our full range of investment options, with the goal of making the most of compound returns.
  • The money in a Junior SIPP is locked away until your child retires – age 57 from 6 April 2028.
  • Once you open a Junior SIPP for your child, you become the ‘registered contact’ and are responsible for managing the account. Later, when your child turns 18, control of the account passes to them.

Our most popular Junior SIPP questions

Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about Junior Self-invested personal pensions.

Need more help?

Our customer support team are here to help when you need it. Here’s how to get in touch.
See all FAQs Contact us

Still not sure about opening a Junior SIPP?

It can be difficult deciding how best to plan for a child’s future. Here, our experts help you by sharing their investing knowledge. 
Investing for children card

Investing for children

We look at the different ways you can save for a child’s future.

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Is it better to invest early on?

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ISAs vs SIPPs

Unsure which account to choose? We compare the options.

Visit our Learn hub

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 762,000 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 the only investment provider to be Which? Recommended eight years running, 2019-2026. 

So, when you're ready to feel good, investing, we're here to help.
Which? award winners 8 years running, 2019-2026