A home for your investments

From pensions to ISAs, we can help you keep all your investments under one roof. Explore the different options here.

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Retirement Investment Account


Your adviser might decide that our Retirement Investment Account (RIA) would suit your pension needs better than our full SIPP.

This type of account still offers great functionality and a comprehensive choice of investments, but – depending on your circumstances, it may suit you better.

RIA KEY FEATURES

TERMS AND CONDITIONS

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SIPP


AJ Bell offered the first ever online Self-Invested Personal Pension (SIPP).

Like traditional personal pensions, SIPPs allow you to decide how much you want to save, then HMRC adds tax relief to your contribution.

However, with a SIPP, you and your adviser can choose from a much wider range of investments than a traditional pension allows, including funds, shares, Exchange-Traded Funds, bonds and much more.

SIPP KEY FEATURES

TERMS AND CONDITIONS

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Junior SIPP


Our Junior SIPP is a great way to help a child start saving early for their retirement.

Anyone can pay into a Junior SIPP, with a maximum overall payment of £2,880 a year for each child, and the Government will add tax relief of 20% to make this up to £3,600.

SIPP KEY FEATURES

TERMS AND CONDITIONS

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ISA


You can invest up to £20,000 a year into an ISA, with no tax to pay on any dividends, interest or capital gains.

An AJ Bell Investcentre ISA gives you the freedom to invest in everything from shares to investment trusts.

ISA KEY FEATURES

TERMS AND CONDITIONS

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Junior ISA


If you’re looking for a tax-efficient way to save for a child or grandchild, our Junior ISA could be the perfect solution.

Any UK resident under the age of 18 can have an AJ Bell Investcentre Junior ISA. The account must be set up and managed by the child’s parent or legal guardian (with their adviser) but anyone can pay in. The maximum subscription for a Junior ISA is £4,368 in the 2019/20 tax year.

JUNIOR ISA FAQS

ISA KEY FEATURES

TERMS AND CONDITIONS

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Lifetime ISA


Our Lifetime ISA (LISA) is a really tax-efficient way to save for retirement or your first home, with access to a wide range of investments, including funds, ETFs, investment trusts, shares, corporate bonds and much more.

Best of all, you can subscribe up to £4,000 in your LISA each year, and get a 25% Government bonus on top.

Please note: if you withdraw money before age 60, except to buy your first home, you will pay a Government withdrawal charge of 25%. This may mean you get back less from your LISA than you paid in. Also, if you choose to save in a Lifetime ISA instead of enrolling in, or contributing to, your workplace pension scheme, you will miss out on the benefit of your employer’s contributions to that scheme and your current and future entitlement to means-tested benefits may be affected.

LISA FAQS

LISA KEY FEATURES

TERMS AND CONDITIONS

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General Investment Account


Our General Investment Account (GIA) is a convenient, low-cost way for your adviser to manage investments on your behalf.

Unlike an ISA or pension, there are no limits on the amount you can invest through a GIA.

GIA FAQS

TERMS AND CONDITIONS

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AJ Bell Funds


Available as an investment option within our SIPP, ISA and GIA, each of our in-house funds are managed by AJ Bell Investments to deliver solutions with a level of risk that can vary according to your specific circumstances.

Have a chat with your financial adviser to figure out the best fund for your investment goals and appetite for investment risk.

AJ BELL FUNDS CLIENT GUIDE

FACTSHEETS

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Managed Portfolio Service


Our Managed Portfolio Service (MPS) features a range of model portfolios managed in-house to help your adviser be time- and cost-efficient.

The MPS is available exclusively through AJ Bell Investcentre in conjunction with your adviser, who will recommend the best portfolio for your particular circumstances and appetite for investment risk.

MPS CUSTOMER GUIDE

FACTSHEETS

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Retirement Portfolio Service


The Retirement Portfolio Service (RPS) provides a simple, transparent, low-cost way to invest for income as you move into and through retirement.

Managed by an experienced investment team with a long-term approach, the RPS is available to your adviser exclusively on the AJ Bell Investcentre platform.

RPS CUSTOMER GUIDE

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