Provider fees

AJ Bell Youinvest pension fees and charges

Last verified: Q2 2026 · Source: provider fee page

Direct answer: AJ Bell Youinvest charges 0.25% on first £250k, 0.1% on £250k–£500k, 0% above £500,000. On a £100,000 pot that is £250/year in annual provider/platform fee, and on a £500,000 pot it is £875/year. Fund charges and product-specific caveats may apply.

Fee model

0.25% on first £250k, 0.1% on £250k–£500k, 0% above £500,000

Tiered percentage · SIPP available · Workplace available

Annual representative charge by pot size

Representative provider/platform charge. Fund charges and adviser charges may be additional unless the provider note says they are included: 0.06%–1.5% depending on fund choice

Note: Fees shown are for funds. Shares/ETFs/investment trusts in the SIPP are charged 0.25% capped at £10/month (£120/year). Dealing fees apply: £5 per share trade (£3.50 if 10+ trades in the prior month), £1.50 per fund trade. Dodl (AJ Bell's simplified app) is a separate product at 0.15%.

AJ Bell sits in the middle ground between Vanguard's ultra-low cost and HL's premium service. The 0.25% SIPP fee is competitive for percentage-based platforms, and the tiered structure means larger pots pay progressively less. Above £500k the platform fee drops to zero — one of the few providers to offer this. AJ Bell has a strong fund range (2,000+), a clean mobile app, and solid research tools. It is often compared by investors who want broader investment choice than Vanguard at a lower platform fee than HL. The Dodl app (AJ Bell's simplified offering) provides a 0.15% option for a limited fund range.

Strengths

+Competitive tiered fees
+0% platform fee above £500k
+Wide fund and share range
+Low-cost Dodl app alternative

Limitations

–More expensive than flat-fee platforms for pots above ~£250k
–Dealing charges on shares (£5 online)
–Not as cheap as Vanguard below £250k

Details

Fund range2,000+ funds, shares, ETFs, investment trusts

Minimum investment£500 lump sum or £25/month

Typical fund OCF0.06%–1.5% depending on fund choice

SIPP/direct pensionSIPP available

Compare AJ Bell pension fees with

AJ Bell vs HL AJ Bell vs Vanguard AJ Bell vs ii AJ Bell vs PensionBee AJ Bell vs Fidelity AJ Bell vs InvestEngine AJ Bell vs Aviva

AJ Bell pension fees FAQ

What are AJ Bell Youinvest pension charges in 2026?

AJ Bell Youinvest's representative published charging model is: 0.25% on first £250k, 0.1% on £250k–£500k, 0% above £500,000. The figures on this page show provider/platform/admin charges by pot size. Fund charges, adviser charges, workplace terms and product-specific charges may differ, so check the provider fee schedule before acting.

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.

All providers

HL Vanguard iiAJ BellPensionBee Fidelity Aviva NEST InvestEngine Nutmeg Royal London Sc. Widows Std Life L&G Aegon

Things to consider

•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.

This provider comparison is general information based on published charge schedules, not financial advice or a personal recommendation. Verify current fees and product terms with the provider and check FCA authorisation before acting.