Find the pension that fits
To retire with confidence, clients need a pension provider that’s flexible enough to fit their needs – not the other way around. That’s why we offer both our SIPP and Retirement Investment Account (RIA) – two different pension wrappers to suit different requirements.
AJ Bell has been a SIPP provider from day one, and over the years we’ve built up a reputation for outstanding customer service. Our RIA proves that we remain committed to delivering products for every kind of client – whatever their circumstances may be.
Our Product Director, Mark Rendle, explains the key benefits of both our SIPP and RIA wrappers.
We bend over backwards to please
Here are just a few of the many benefits offered by our pension products:
| SIPP | RIA | |
|---|---|---|
| Access to our Funds & Shares Service. | ✓ | ✓ |
| Access to our Managed Portfolio Service and full range of multi-asset funds. | ✓ | ✓ |
| All key benefits available, including PCLS, Flexi-access and UFPLS. | ✓ | ✓ |
| Choose from our panel of investment partners and off-panel options. | ✓ | ✗ |
Put your clients in a more comfortable position
Book a chat with our Business Development Team to discover how our pensions will fit your clients’ needs.
Charging that aligns to your client’s needs
We’ve created example client scenarios to help you understand how our SIPP and RIA charges differ, and in particular, how a certain type of client might be better off choosing one type of pension over the other.
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Mrs Davies
Pension, ISA and General Investment Account
Mrs Davies holds personal assets via the Funds & Shares Service in accounts outside her pension, and her adviser expects to trade no more than five times a year on each account.
Fund value: £450,000 (£250,000 in a pension, and £200,000 in ISA and GIA assets).
Annual pension charge: £519.75 (SIPP) or £625.00 (RIA)
Total annual platform charge: £919.75 (SIPP) or £1,025.00 (RIA)
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Mr Richards
Pension only
Mr Richards holds £150,000 of pension assets in the Funds & Shares Service. He is already taking regular flexi-access income withdrawals, and his adviser expects to trade up to 10 times per year.
Fund value: £150,000
Annual charge: £768 (SIPP) or £375 (RIA)
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Mr Wallis
Pension and ISA
Mr Wallis holds pension and ISA assets via the Funds & Shares Service, and expects to commence regular UFPLS payments within the next 12 months. His adviser expects to trade no more than five times a year on each account.
Fund value: £430,000 (£345,000 in a pension, and £85,000 in an ISA).
Annual pension charge: £709.75 (SIPP) or £862.50 (RIA) pre-retirement, changing to £849.75 (SIPP) or £812.50 (RIA) taking regular UFPLS.
Total annual platform charge: £879.75 (SIPP) or £1,032.50 (RIA) pre-retirement; changing to £1,019.75 (SIPP) or £982.50 (RIA) taking regular UFPLS.
Wrappers that benefit your clients
Our wrappers provide a range of benefits, including:
- low-cost charging structures that appeal to a range of clients;
- access to our Funds & Shares Service, giving you and your clients a comprehensive range of investment options; and
- access to our full suite of functionality and cash management tools.
Explore these resources to learn more.
Selecting the right wrapper
Not sure which solution is best suited to your client’s needs? See how others enjoyed lower costs and better results by selecting the most appropriate product.
Case studies: Why carefully selecting the best wrapper makes sense
Actions speak louder than words – so we’ve produced a set of case studies that demonstrate how clients have enjoyed more positive outcomes by selecting the most appropriate pension product.
Learn how our SIPP and RIA costs compare
When it comes to figuring out which of our pensions offers the most cost-effective solution for your client, there are many factors to consider. Fortunately, we’ve built a cost comparison tool that effortlessly illustrates the full picture.
Award-winning pension
There’s a reason why we were named ‘Best SIPP Provider’ and ‘Best Investment Solutions Provider’ at the 2024 Money Marketing Awards!
This recognition highlights our commitment to delivering low-cost, industry-leading solutions, supported by our renowned service.
Let us bend over backwards to help you
Our Business Development Team is on hand to discuss our SIPP and RIA options with you in more detail. To arrange a call, simply complete the below form, and a member of the team will be in touch.