Ready-made pension charges

Our low-cost charges mean more money for you.

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We’re committed to transparent and fair charges that offer you excellent value, and are among the lowest in the market.

Growth funds

All-in charge*

0.45% per year

*Our Growth funds include the Cautious, Balanced and Adventurous funds
Open a Ready-made pension

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.

Open a Ready-made pension

See the full charges

  • Free pension finding service
    Lost track of your previous pensions? We’ll find them for you, for free, with our pension finder.
  • Free account transfer
    If you’re looking to move an account to us, we’ll do all the heavy lifting. It’s FREE to transfer an account to us.
  • No account or administration charges
    With our one all-in charge, you don’t pay additional account or administration charges.
  • No charges for investing in your chosen fund
    And we don’t charge you for investing in your chosen AJ Bell managed fund, either.

Example of how we calculate your Ready-made pension charge

Meet Kim

Meet Kim

Kim has a Ready-made pension and is invested in the AJ Bell Balanced fund. The value of the fund is £10,000. Below you can see the all-in charge that Kim would pay.

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.

Open a Ready-made pension

Important to know about your choice of fund

You can learn more by reading the AJ Bell fund’s key investor information document.

AJ Bell Cautious fund

AJ Bell Balanced fund

AJ Bell Adventurous fund

Other charges you may need to pay

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.

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.

Need more help?

Our customer support team are here to help when you need it. Here’s how to get in touch.
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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 673,000 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.
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