AJ Bell Youinvest pension fees and charges
AJ Bell’s SIPP account charge for funds is 0.25% on the first £250,000, 0.10% on the next £250,000 and zero on the portion above £500,000. A constant £100,000 held in funds has a £250 annual account charge; £500,000 has an £875 charge. Fund management and dealing costs are separate. Shares, ETFs and investment trusts use a different account-charge cap, so a mixed portfolio needs separate calculations. These are selected published charges, not a recommendation or a complete individual quote.
A £100,000 fund-holding cost example
- Published account charge
- £250/year
- Illustrative fund cost at 0.20%
- £200/year
- Subtotal before transactions and other costs
- £450/year
Assumes a constant £100,000 invested entirely in funds for a full year. The 0.20% fund cost is an illustration, not a quoted fund charge or investment recommendation. Add the actual fund, dealing and other applicable costs. Shares and ETFs have a different account-charge cap; the fund illustration must not be used for them.
Understand platform versus fund charges →AJ Bell’s fund account charge applies separate rates to portions of the invested balance. The annual charge reaches £875 at £500,000 in funds and remains £875 above that balance; the whole account does not become free. Shares and ETFs have a separate account-charge cap. Fund management and dealing costs are additional.
- +Published marginal fund tiers
- +Separate capped charge for shares and ETFs
- –Fund and one-off share dealing charges apply
- –Investment costs are additional
What are AJ Bell Youinvest pension charges in 2026?
AJ Bell’s SIPP account charge for funds is 0.25% on the first £250,000, 0.10% on the next £250,000 and zero on the portion above £500,000. A constant £100,000 held in funds has a £250 annual account charge; £500,000 has an £875 charge. Fund management and dealing costs are separate. Shares, ETFs and investment trusts use a different account-charge cap, so a mixed portfolio needs separate calculations. These are selected published charges, not a recommendation or a complete individual quote.
Is AJ Bell a SIPP platform?
AJ Bell offers a self-invested personal pension with broad fund, share, ETF and investment trust access. This page compares the published SIPP/platform charges by pot size and links to side-by-side comparisons with providers such as PensionBee, Vanguard and Interactive Investor.
How do AJ Bell SIPP fees compare with PensionBee and Vanguard?
AJ Bell uses a tiered percentage platform fee. PensionBee uses plan-based percentage charges with a simpler managed proposition, while Vanguard uses a lower percentage fee capped annually but with a narrower Vanguard-only fund range. The cheapest option depends on pot size, product features and fund choice.
- •Fees shown are representative provider, platform or admin charges. Some rows are platform/admin fees only; Royal London's Governed Range AMC includes Royal London fund management.
- •Fee structures change without notice. Always verify the current fee on the provider's website before making any decision.
- •The lowest headline fee is only one comparison point. Fund range, service, platform features, investment choice, adviser access, and product restrictions also matter.
- •Transferring a pension may involve exit fees, loss of guaranteed benefits, or loss of employer contributions. Check before you transfer.
- •This page is factual information based on published fee schedules, not a recommendation to use or avoid any provider.
- •For personal recommendations, speak to an FCA-regulated financial adviser and check the FCA register.