With AJ Bell you have the wrapper flexibility and choice to deliver great customer outcomes.
Discover our range of retirement and investment products.
Retirement Investment Account
An all-in custody charge from 0.20% to 0.25%.
- A pension wrapper with a simple, all-in cost of 0.25% p.a. for assets up to £500,000 and 0.20% p.a. on assets over £500,000. There are no other fees for setup, administration, dealing or drawdown
- Access to our Funds & Shares Service alongside our Managed Portfolio Service and full range of multi-asset funds
Don’t tie yourself in knots trying to make one pension suit every client
SIPP
Simple menu of administration charges, plus custody charges from 0.00% to 0.20%.
- Access to our Funds & Shares Service
- Choose from our panel of investment partners, as well as ‘whole-of-market’ investments and external bank accounts via the off-panel option
- SIPP quarterly administration charges are waived if more than £200,000 is invested via the Funds & Shares Service
- Dealing from £0 (no charge applies to dealing or switching through our bulk dealing/model service and regular investment and disinvestment services).
- The optional ‘Funds & Shares Service execution-only’ (F&SS XO), allows your clients to manage investments separately from those managed by you
Junior SIPP
Next-generation products for your next generation of clients.
- Low-cost Junior SIPP with custody charges up to 0.20% p.a.
- Dealing from £0 (no charge applies to dealing or switching through our bulk dealing/model service and regular investment and disinvestment services).
- Access to a wide-range of funds, ETFs and investment trusts, as well as our Managed Portfolio Service and full range of multi-asset funds with a low-cost annual management fee of just 0.15%
The standard SIPP administration charges will apply when the account holder reaches age 18.
The Funds & Shares Service is powered by AJ Bell’s in-house stockbroker
ISA
- ‘Flexible’ ISA, allowing your clients to replace any withdrawals in the same tax year
- Low-cost ISA with custody charges up to 0.2% p.a.
- Access to our Funds & Shares Service provides freedom to invest in everything from funds, ETFs, investment trusts, shares and bonds
- Dealing from £0 (no charge applies to dealing or switching through our bulk dealing/model service and regular investment and disinvestment services).
- No establishment, quarterly administration or withdrawal charges where assets are held on our Funds & Shares Service
- Provides the option of using our Funds & Shares Service execution-only option, called F&SS XO, which allows your clients to manage investments separate from those managed by you
Discover our AJ Bell Funds range – expertly managed, low-cost solutions covering a range of risk appetites, with a 5-Diamond stamp of approval from Defaqto for our AJ Bell Funds.
Junior ISA
Our Junior ISA can help your clients and their families.
- Low-cost Junior ISA with custody charges up to 0.20% p.a.
- Dealing from £0 (no charge applies to dealing or switching through our bulk dealing/model service and regular investment and disinvestment services).
- No establishment, quarterly administration or withdrawal charges where assets are held on our Funds & Shares Service
- Access to a wide-range of funds, ETFs and investment trusts, as well as our Managed Portfolio Service and full range of multi-asset funds with a low-cost annual management fee of just 0.15%
Lifetime ISA
- Low-cost Lifetime ISA with custody charges up to 0.20% p.a.
- Dealing from £0 (no charge applies to dealing or switching through our bulk dealing/model service and regular investment and disinvestment services).
- No establishment, quarterly administration or withdrawal charges where assets are held on our Funds & Shares Service
- Access to a wide-range of funds, ETFs and investment trusts, as well as our Managed Portfolio Service and full range of multi-asset funds with a low-cost annual management fee of just 0.15%
GIA
- Low-cost GIA with custody charges up to 0.20% p.a.
- A convenient, low-cost way to buy and sell a comprehensive range of investments
- Dealing from £0 (no charge applies to dealing or switching through our bulk dealing/model service and regular investment and disinvestment services).
- No establishment, quarterly administration or withdrawal charges where assets are held on our Funds & Shares Service
- Access to a wide-range of funds, ETFs and investment trusts, as well as our Managed Portfolio Service and full range of multi-asset funds with a low-cost annual management fee of just 0.15%
- Provides the option of using our Funds & Shares Service execution-only option, called F&SS XO, which allows your clients to manage investments separate from those managed by yourself.
Offshore Bonds
You can manage investments through an AJ Bell Investcentre GIA that’s held within an offshore bond from one of the providers we work with. This can provide your clients with:
- Tax efficiency: benefit from an annual tax-deferred income of up to 5%, and the potential for top-slicing relief on gains at the point of surrender or maturity.
- Investment growth: gross roll-up is possible within the bond without being taxed at source. This allows the investment to compound faster than a standard taxed investment because the full gross amount remains reinvested.
- Estate and trust planning: offshore bonds can be placed into trusts. As their structure could be based on segmentation, it may be easier to assign and release parts of the bond to beneficiaries.
- Investment flexibility: offshore bonds give access to a wide range of funds, and you can switch between them without triggering a tax event.
Onshore Bond
You can now manage investments through an AJ Bell Investcentre GIA that’s held within a Countrywide Assured Onshore Bond. Here’s why it could make sense for some clients:
- Tax efficiency: Benefit from an annual tax-deferred income of up to 5%, and the potential for top-slicing relief on gains at the point of surrender or maturity.
- Simpler tax reporting: Onshore bonds follow UK corporation tax rules, so tax is only likely to become due at certain events, rather than every year.
- Estate and trust planning: Onshore bonds can be placed into trusts. As their structure is based on segmentation, it’s easier to assign and release parts of the bond to beneficiaries.
- Investment flexibility: Onshore bonds give access to a wide range of funds, and you can switch between them without triggering a tax event.