AJ Bell pension review

Find out about AJ Bell's self invested personal pension and how it works.

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AJ Bell SIPP
Invest for your future with AJ Bell
  • Open an award-winning SIPP account
  • Save for your retirement
  • Learning resources available

AJ Bell is a leading investment company based in Manchester. Over 160,000 clients have trusted it with the administration of more than £39 billion of assets since 1995.
AJ Bell offers self-invested personal pensions (SIPPs) to help you grow your pension pot. If you already have a pension, you can easily transfer it to an AJ Bell SIPP, and AJ Bell might even help you pay towards the cost of the transfer.

What does AJ Bell do?

AJ Bell intends to make investing as easy as possible for its customers. It aims to stay competitive, use little jargon and put its customers’ best interests first.

AJ Bell offers ISAs and general investment accounts for standard investing, as well as self-invested personal pensions (SIPPs) to help prepare for retirement.

With the AJ Bell SIPP you make your own investment decisions which determine how your pension performs, so it’s best for experienced investors rather than beginners.

What can I invest in with the AJ Bell SIPP?

AJ Bell’s SIPP give you access to a range of investments, including:

  • Bonds
  • Shares
  • Funds
  • Trusts
  • Exchange traded funds (ETFs)
  • Exchange traded commodities (ETCs)

AJ Bell Platinum SIPP

AJ Bell also offers a “platinum” SIPP service. The main difference between this and the Youinvest SIPP is that you can appoint any UK authorised investment manager to run the SIPP for you. Features of the AJ Bell Platinum SIPP include:

  • Platinum SIPPs are established as a trust
  • You can choose any UK authorised investment manager to run your SIPP
  • Each Platinum SIPP has a dedicated administration team, and comes with access to AJ Bell’s consultants
  • Your SIPP can invest in UK commercial property, which can then be leased out to your own business at a commercial rent, or to a third party

How much does AJ Bell cost?

As with most providers, the amount you pay depends on how much you invest. Made with Flourish

How safe is AJ Bell?

AJ Bell is part of the AJ Bell Group, which is a financially secure and regulated company. AJ Bell Securities Limited is a member of the London Stock Exchange and is regulated by the Financial Conduct Authority. It complies with the rules and guidelines of the FCA and is subject to review in the form of individual interviews, document review and deep-dive visits.

Your money is held in FCA approved banks and is protected under the FCA rules. Under AJ Bell you are also covered by the Financial Services Compensation Scheme which means you could claim up to £80,000 if AJ Bell were to go bust.

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Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply. Keep in mind that the tax treatment of your pension and investments will depend on your individual circumstances and may change in the future. Capital at risk.
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Senior writer

Zoe was a senior writer at Finder specialising in investment and banking, and during this time, she joined the Women in FinTech Powerlist 2022. She is currently a senior money writer at Be Clever With Your Cash. Zoe has a BA in English literature and a Diploma for Financial Advisers. She has several years of experience in writing about all things personal finance. Zoe has a particular love for spreadsheets, having also worked as a management accountant. In her spare time, you’ll find Zoe skating at her local ice rink. See full bio

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Zoe has written 187 Finder guides across topics including:
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