Products and services


‘SIPP’ stands for Self-Invested Personal Pension. Just like a traditional personal pension, you decide how much you want to pay in, and then HMRC adds tax relief to your contribution. The difference is, a SIPP allows you and your adviser to decide exactly where those savings are invested. You can even control the amount you receive once you retire.

More choice

With a SIPP from AJ Bell Investcentre, you and your adviser can choose from a much wider range of investments than a standard personal pension would allow. You can also access various other investments, such as shares, ETFs, investment trusts and bonds.

Key features Terms and conditions

Retirement Investment Account

The AJ Bell Investcentre Retirement Investment Account is a pension product designed to help you accumulate a sum of money which can then be used to provide you with an income into your retirement period. It can give you greater choice, freedom and control than other types of pension, enabling you to select and manage your own investment portfolio from a wide range of choices.

You can pay one-off or regular contributions into the Retirement Investment Account to take advantage of the the tax benefits available. You can also transfer existing pensions into the Retirement Investment Account.

Key features Terms and conditions


Our stocks and shares Individual Savings Account (ISA) is a ‘wrapper’, inside which your adviser can protect a wide range of your investments from tax. You can invest up to £20,000 a year into an ISA, and any dividends, interest or capital gains you make are exempt from tax.

Key features Terms and conditions
Junior ISA

For people under the age of 18, we also offer a Junior ISA with an annual subscription limit of £9,000. Junior ISAs are available to anyone under the age of 18 who is resident in the UK.

Junior ISA FAQs Key features Terms and conditions
Lifetime ISA

Designed to help you save for your first house and/or your retirement in a tax-efficient way.

Our Lifetime ISA offers you a wide range of investments to choose from, including shares, investment trusts, unit trusts, gilts, corporate bonds and OEICs.

LISA FAQsLISA key features Terms and conditions

General Investment Account

Our General Investment Account (GIA) is a low-cost, convenient way for your adviser to buy and sell funds and shares on your behalf. Your investment portfolio can be accessed online 24 hours a day, 7 days a week. 

There are no limits on the amount you can invest through a GIA, and the choice of investment options we offer is comprehensive.

GIA FAQs Terms and conditions

Managed Portfolio Service

The Managed Portfolio Service (MPS) is an investment option within our award-winning SIPP, ISA and GIA. The service features a range of model portfolios managed by AJ Bell Investments and available exclusively through AJ Bell Investcentre in conjunction with your financial adviser.

The MPS portfolios are targeted to meet specific levels of risk, and your financial adviser will assess your needs and recommend the best portfolio for your needs and attitude to risk. AJ Bell Investments then manage the portfolio to ensure that it meets its stated aims.

Portfolio factsheets