We make sure our charges are highly competitive and completely transparent.

We provide access to a range of products and pricing options that allow for a wide range of client scenarios.

 

 

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SIPP vs RIA cost comparison

Not sure which is right for your client? Try our cost comparison.

SEE HOW THE COSTS STACK UP

How our charges apply in practice  

For a full breakdown of our charges, please refer to our charges and rates document.

VIEW MORE SCENARIOS

For illustrative purposes only.

  • Mr Richards

    Retirement Investment Account – tax-free lump sum payment only


    Mr Richards

    Has an AJ Bell Investcentre Retirement Investment Account, with £150,000 invested via the Funds & Shares Service. He needs a capital lump sum, so uses his 25% tax-free entitlement.

    Fund value £112,500

    Annual charge £281.25


    Breakdown of annual charges

    £0 There is no administration charge on assets that are invested using the Retirement Investment Account.
    £281.25 The custody charge is based on 0.25% of the remaining £112,500 when using the Funds & Shares Service in the Retirement Investment Account.
    £0 There is no annual flexi-access drawdown charge payable for drawdown funds held in the Retirement Investment Account. Taxable income can be withdrawn from funds held in drawdown at no additional cost.
  • Mrs Graham

    ISA and General Investment Account


    Mrs Graham

    Consolidating existing AJ Bell Investcentre ISA and GIA

    Fund value £100,000 (across both accounts)

    Annual charge £200


    Breakdown of annual charges

    £0 There is no administration charge on ISAs or GIAs.
    £200 The custody charge is based on 0.20% of £100,000.
  • Mr Singh

    Mr Singh


    SIPP, ISA and General Investment Account

    Fund value £210,000 (£150,000 in his SIPP, £45,000 in his ISA and £15,000 in his GIA)

    Total annual charge £420

    Mr Singh has transferred his existing savings to an AJ Bell Investcentre SIPP, ISA and General Investment Account (GIA) on his financial adviser’s recommendation.


    Breakdown of annual charges

    £0 The quarterly administration charge covers standard administration on the SIPP and is waived if £200,000 or more of SIPP, ISA and GIA assets are invested using our Funds & Shares Service.
    £420 The custody charge is based on 0.20% of £210,000.
  • Mr Ward

    Mr Ward


    SIPP account at retirement – regular pension lump sum payments, including 25% tax free

    Fund value £400,000 (invested via the Funds & Shares Service)

    Total annual charge £920*

    Mr Ward’s financial adviser recommends that he takes regular pension lump sum payments from his SIPP. For each regular payment, 25% is paid free of tax and the remainder is taxable.


    Breakdown of annual charges

    £0 The quarterly administration charge covers standard administration on the SIPP and is waived if £200,000 or more of SIPP, ISA and GIA assets are invested using our Funds & Shares Service.
    £770 The custody charge is based on 0.20% on the reducing balance when using the Funds & Shares Service.
    £150* The regular pension lump sum payment charge is payable when regular pension lump sum payments are taken from the SIPP.

    (*Plus VAT where applicable)

  • Mrs Jones

    Mrs Jones


    SIPP account at retirement – full closure, pension lump sum payment, with 25% tax free

    Fund value £80,000

    Total annual charge £550*

    Mrs Jones’s financial adviser has recommended that she transfers in an existing pension arrangement into an AJ Bell Investcentre SIPP, prior to drawing benefits. She wants to withdraw the full value of the account in one go.


    Breakdown of annual charges

    £120* SIPP initial setup charge.
    £45* The quarterly administration charge would be £45 and covers the standard administration on the SIPP. This would be payable for one quarter only.
    £0 There would be no charges for custody or investment administration, as no investments are being made.
    £60* The transfer-in charge covers the cost of administering a pension transfer from another provider.
    £75* The one-off pension lump sum charge covers the administration in processing the payment.
    £250* An account closure charge is applicable when closing a SIPP account within 12 months of opening.

    (*Plus VAT where applicable)

  • Mr Evans

    Mr Evans


    SIPP account at retirement – Conversion to flexi-access drawdown

    Fund value £500,000 (invested via the Funds & Shares Service)

    Year 1 charge £1,074*

    Year 2 charge £757*

    Mr Evans’s financial adviser recommends that he converts his capped drawdown fund to flexi-access drawdown, so he can draw a higher level of income. He wishes to draw £10,000 per month, which is more than his current annual maximum.


    Breakdown of annual charges

    £0 The quarterly administration charge covers standard administration on the SIPP and is waived if £200,000 or more of SIPP, ISA and General Investment Account assets are invested using our Funds & Shares Service.
    £849 The custody charge is based on 0.20% on the reducing balance when using the Funds & Shares Service.
    £75* This is a one-off charge for converting capped drawdown funds to a flexi-access drawdown fund.
    £150* The annual flexi-access drawdown charge is payable while drawdown funds are in the SIPP. Taxable income can be withdrawn from funds held in drawdown at no additional cost.

    (*Plus VAT where applicable)

  • Mr Smith

    SIPP invested via the AJ Bell Managed Portfolio Service (MPS)


    Mr Smith

    Opens an AJ Bell Investcentre SIPP

    Fund value £250,000

    Investing in the AJ Bell MPS

    Annual charge £875*


    Breakdown of annual charges

    £0 The quarterly administration charge covers standard administration of the SIPP and is waived if £200,000 or more of SIPP, ISA and GIA assets are invested using our Funds & Shares Service.
    £500 The custody charge is based on 0.20% of £250,000 when using the Funds & Shares Service.
    £375* The MPS charge is based on 0.15% of the total fund value being invested using the MPS.

    *Plus VAT where applicable

  • Miss Davies

    Lifetime ISA invested into the AJ Bell Funds


    Miss Davies

    Opens a Lifetime ISA

    Fund value £5,000 (£4,000 + 25% Government bonus)

    Investing in AJ Bell Funds

    Annual charge £10


    Breakdown of annual charges

    £0 There is no administration charge on an ISA.
    £10 The custody charge is based on 0.20% of £5,000 when using the Funds & Shares Service.

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