Self-Invested Personal Pension | Open a SIPP

What is a SIPP?

Our Self-invested personal pension (SIPP) puts you in control of your retirement.

With complete flexibility to decide how much, when, and where your pot is invested, build a portfolio using our full range of SIPP investments.

Open a SIPP

View SIPP key features

Invest up to £60,000 per year
With a £60,000 annual personal allowance each tax year, including tax relief, build a pension pot that’s right for you.
20% government tax relief
It only costs 80p of your own investment to save £1, thanks to 20% government tax relief. And it’s even more efficient if you’re a higher earner.
Access from age 55
Enjoy early access to your retirement savings when you reach age 55 (rising to 57 from 6 April 2028) onwards.
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 a SIPP for free.

What is a SIPP?

Our Self-invested personal pension (SIPP) puts you in control of your retirement.

With complete flexibility to decide how much, when, and where your pot is invested, build a portfolio using our full range of SIPP investments.

Invest up to £60,000 per year
With a £60,000 annual personal allowance each tax year, including tax relief, build a pension pot that’s right for you.
20% government tax relief
It only costs 80p of your own investment to save £1, thanks to 20% government tax relief. And it’s even more efficient if you’re a higher earner.
Access from age 55
Enjoy early access to your retirement savings when you reach age 55 (rising to 57 from 6 April 2028) onwards.
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 a SIPP for free.

Open a SIPP

View SIPP key features

AJ Bell SIPP charges

You'll never pay more than 0.25% annually to manage your account
Deal online for as little as £1.50
Foreign exchange fees capped at 0.75%

See what your charges could look like

AJ Bell SIPP charges

You'll never pay more than 0.25% annually to manage your account
Deal online for as little as £1.50
Foreign exchange fees capped at 0.75%

We make sure our SIPP charges are among the lowest in the market, so you’ll always get excellent value on your investments.

Charges calculator

View charges

See what your charges could look like

Choose your SIPP investments

You’re the decision maker when it comes to choosing how and where to invest money in your Self-invested personal pension. Get started with as little as £25 per month with our regular investment service.

If you're not sure what to invest in, our range of investment ideas help take the confusion out of investing. But if picking and choosing investments is part of the fun for you, we've got everything you need.

AJ Bell funds – our low-cost, hassle-free funds, built and managed by our experts. Just choose which one suits you, and we’ll do the rest
Our Favourite funds – our expert choice of top funds that we think offer you the best value and growth potential
Investment funds – we have over 4,000 funds and ETFs across dozens of markets, sectors, and asset classes
UK, US and global shares – invest in the world’s biggest including the UK, US, Japan, Canada, and more
Bonds and gilts – our corporate bonds and UK gilts help keep things simple

See AJ Bell's investment ideas See the full investment range

Choose your SIPP investments

You’re the decision maker when it comes to choosing how and where to invest money in your Self-invested personal pension. Get started with as little as £25 per month with our regular investment service.

If you're not sure what to invest in, our range of investment ideas help take the confusion out of investing. But if picking and choosing investments is part of the fun for you, we've got everything you need.

AJ Bell funds – our low-cost, hassle-free funds, built and managed by our experts. Just choose which one suits you, and we’ll do the rest
Our Favourite funds – our expert choice of top funds that we think offer you the best value and growth potential
Investment funds – we have over 4,000 funds and ETFs across dozens of markets, sectors, and asset classes
UK, US and global shares – invest in the world’s biggest including the UK, US, Japan, Canada, and more
Bonds and gilts – our corporate bonds and UK gilts help keep things simple

See AJ Bell's investment ideas

See the full investment range

Expert tips on...
SIPPs

Charlene Young

Charlene Young
Pensions and Savings Expert

Understanding how to manage a Self-invested personal pension is important for anyone interested in saving for retirement.

Open a SIPP Learn more about SIPPs

Our SIPP gives you full flexibility as to how and when you can withdraw your money in retirement (minimum age 55 rising to 57 from 6 April 2028).
You can take up to 25% tax-free when you come to access your SIPP, subject to your overall lump sum allowance of £268,275.
Transfer in old pensions or open alongside your current workplace pension, with both you and your employer (including your own business) able to pay into your SIPP.
Anything you keep invested will continue to grow, sheltered from tax, while tax relief means that £1,000 in a SIPP can cost as little as £550.
A SIPP isn’t part of your estate, so it's a very tax-efficient way of leaving funds to your loved ones after you’re gone. You can nominate anyone from family members and friends to your favourite charity.
Get an accurate idea of what your retirement income could look like after you turn 55, with our pension calculator.

Expert tips on…
SIPPs

Understanding how to manage a Self-invested personal pension is important for anyone interested in saving for retirement.

Charlene Young
Pensions and Savings Expert

Our SIPP gives you full flexibility as to how and when you can withdraw your money in retirement (minimum age 55 rising to 57 from 6 April 2028).
You can take up to 25% tax-free when you come to access your SIPP, subject to your overall lump sum allowance of £268,275.
Transfer in old pensions or open alongside your current workplace pension, with both you and your employer (including your own business) able to pay into your SIPP.
Anything you keep invested will continue to grow, sheltered from tax, while tax relief means that £1,000 in a SIPP can cost as little as £550.
A SIPP isn’t part of your estate, so it's a very tax-efficient way of leaving funds to your loved ones after you’re gone. You can nominate anyone from family members and friends to your favourite charity.
Get an accurate idea of what your retirement income could look like after you turn 55, with our pension calculator.

Open a SIPP

Learn more about SIPPs

Is a SIPP pension right for me?

Our Self-invested personal pension is for those who want full control over how their pension is invested. It may be right for you if:

You want to build and manage your own investment portfolio
You want a wide range of investments, including shares, bonds, and more
You want to access your pension within the next five years

If you’d prefer a more hands-off personal pension, where our experts manage your investments instead, our Ready-made pension may be more suitable.

Is a Self-invested personal pension right for me?

Our Self-invested personal pension is for those who want full control over how their pension is invested. It may be right for you if:

You want to build and manage your own investment portfolio
You want a wide range of investments, including shares, bonds, and more
You want to access your pension within the next five years

Ready-made pension

Our low-cost, low maintenance, simplified pension that removes the hassle of managing your investments.

If you’d prefer a more hands-off personal pension, where our experts manage your investments instead, our Ready-made pension may be more suitable.

Learn more about SIPPs

We get it, planning for retirement can be daunting and confusing. If you want to know more about saving for retirement or tips on how to make your pension last as long as you need, find out more below.