Junior SIPP

Kick-start your child’s pension with a Junior SIPP

It’s never too early to plan for your financial future – and the same goes for the little ones in your life.

With decades of potential growth ahead, a Junior Self-invested personal pension (Junior SIPP) is an excellent way to save for their retirement.

£3,600 annual Junior SIPP allowance
With a £3,600 annual limit per child, anyone can contribute to a Junior SIPP.
Tax-free investing
There’s no capital gains tax or income tax on investment growth, giving you years of tax-free potential.
20% government tax relief
It only costs 80p of investment to save £1, thanks to 20% government tax relief on adult SIPP and Junior SIPP accounts.
Invest however you like
Much like an adult SIPP, with a Junior SIPP, you choose exactly how you want to invest your money.
Start investing from just £25
Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £500 payment, or transfer an account for free.

It’s never too early to plan for your financial future – and the same goes for the little ones in your life.

With decades of potential growth ahead, a Junior Self-invested personal pension (Junior SIPP) is an excellent way to save for their retirement.

£3,600 annual Junior SIPP allowance
With a £3,600 annual limit per child, anyone can contribute to a Junior SIPP.
Tax-free investing
There’s no capital gains tax or income tax on investment growth, giving you years of tax-free potential.
20% government tax relief
It only costs 80p of investment to save £1, thanks to 20% government tax relief on adult SIPP and Junior SIPP accounts.
Invest however you like
Much like an adult SIPP, with a Junior SIPP, you choose exactly how you want to invest your money.
Start investing from just £25
Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £500 payment, or transfer an account for free.

Charlene Young

Charlene Young
Pensions and Savings Expert

Understanding how a Junior SIPP works and how to manage the account is important for anyone interested in investing for a child.

You can open a Junior SIPP for a child if they're under 18, and you're their parent, or in a position of parental responsibility.
You can monitor and manage your child’s pension alongside your own AJ Bell portfolio with family linking.
Junior SIPP rules mean family members can pay in up to £3,600 a year for a child (with 20% tax relief) to get them started on the way to their retirement.
These ultra long-term gifts can be invested into our full range of investment options, with the goal of making the most of compound returns.
The money in a Junior SIPP is locked away until your child retires – age 57 from 6 April 2028.
Once you open a Junior SIPP for your child, you become the ‘registered contact’ and are responsible for managing the account. Later, when your child turns 18, control of the account passes to them.

Understanding how a Junior SIPP works and how to manage the account is important for anyone interested in investing for a child.

Charlene Young
Pensions and Savings Expert

You can open a Junior SIPP for a child if they're under 18, and you're their parent, or in a position of parental responsibility.
You can monitor and manage your child’s pension alongside your own AJ Bell portfolio with family linking.
Junior SIPP rules mean family members can pay in up to £3,600 a year for a child (with 20% tax relief) to get them started on the way to their retirement.
These ultra long-term gifts can be invested into our full range of investment options, with the goal of making the most of compound returns.
The money in a Junior SIPP is locked away until your child retires – age 57 from 6 April 2028.
Once you open a Junior SIPP for your child, you become the ‘registered contact’ and are responsible for managing the account. Later, when your child turns 18, control of the account passes to them.