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.
Low-cost charges, high-value service
We make sure our Ready-made pension account charges are among the lowest in the market, so you’ll always get excellent value on your investments.
When you invest in one of the AJ Bell funds through our Ready-made pension, you’ll pay one all-in charge (also known as the OCF – Ongoing Charges Figure). The all-in charge comes directly out of the fund itself – this means you don’t need to hold cash in your Ready-made pension to pay the charge.
If you had a Ready-made pension and had £10,000 invested in the AJ Bell Balanced fund, here you can see how much you would pay with the all-in charge.
All-in charge:
Fund value: £10,000 Calculation: 0.45% x £10,000 / 12
£3.75 per month* (£45.00 per year)
*This is only an example of the all-in charge. Your actual charge will depend on the exact value of your AJ Bell fund, which will vary due to market fluctuation and growth.
With other accounts, there are circumstances where investments you choose to make may have some additional charges attached. With our Ready-made pension, you’ll only ever pay one all-in charge – even if you choose to switch the fund you’re invested in.
Switch your investment into a different fund
No charge
Transferring account(s)
If you’re looking to move an account to us, we’ll do all the heavy lifting – it’s FREE to transfer in. And if you want to transfer your account to another provider, we won’t charge you any exit fees, either.
The most popular questions asked about Ready-made pension charges
Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about Ready-made pension fees.
How do I pay my monthly charges?
Answer
Your monthly charges depend on the account type and the money held in it:
All Ready-made pension charges are included in the single account charge and taken from your chosen AJ Bell fund. No cash is held in a Ready-made pension.
For all other accounts, we collect charges from the available cash you have in it. You need to make sure you have enough cash in your account to cover charges when they're…
You need enough cash in your account to cover your monthly account charges.
When you buy an investment, there needs to be enough cash in your account to cover the investment and the dealing charges, which are included in the total of your order.
How is tax relief claimed on my payments to my Ready-made pension?
Answer
When you pay money into your Ready-made pension, we’ll reclaim tax relief from HMRC for you. Any payments you make, up to the amount you earn, will receive basic-rate tax relief at 20%.
For example, if you pay £800 into your Ready-made pension, the taxman will add another £200 to bump it up to £1,000.
When you receive your tax relief depends on when you make your payment. If we receive your payment…
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.
