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AJ Bell Youinvest Review

as of 26/02/2019 at 12:43 pm

Holly's View

Good all-rounder for people who want a choice of funds/shares/ISAs and pensions. A lot of work has gone on behind the scenes and the result is a much-improved user experience. Now listed on the stock exchange these guys are in growth mode and one to watch. Trading is easier than before and the general navigation works better. Decently priced. Still a bit technical for less confident investors but improving content all the time.

Our Rating

Recommended For

Confident Investor

In a nutshell

Low cost

Strong on pensions

Good research and content

You Say

Your overall rating

Based on 122 reviews

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They Say

Sponsored by

AJ Bell Youinvest

At AJ Bell Youinvest, we think your money should work hard, not you. That’s why we strive to do one thing – make investing as easy as possible, every step of the way.

Our low-cost online dealing charges, which start at £1.50, make it cost-effective for you to build your portfolio. Our expert investment ideas take the stress out of choosing your investments. And thanks to our innovative mobile apps, you can check your account and buy and sell your investments on the go. 

An easier way to invest

Our customers are at the heart of everything we do. Our award-winning customer services teams are UK based and here to help on the phone, and through webchat and email support. We offer a range of features to make investing easy for you:

  • Wide range of investments including over 2000 funds, shares, ETFs, investment trusts and ETCs
  • Free access to Shares magazine if you maintain more than £4,000 in your account
  • Award-winning apps for iOS, Android and even Amazon Echo

Our expert investment ideas

Our easy investment ideas could save you not just time – but money too.

Our AJ Bell Passive funds are the no-hassle way to invest. All you have to do is choose how much risk you want to take on, and how much to invest. Our experts do the rest.

Or, you can use our AJ Bell Favourite funds list to make the tricky task of picking funds for your portfolio easy by choosing from our experts' shortlist. The value of your investments may go down as well as up.

More about AJ Bell Youinvest

What to Expect

Investment Choice

Products

Stocks and Shares ISA

Junior ISA

Lifetime ISA

Investment Account

Pension

Investments available

Own brand funds

Funds from other groups

Stocks and shares

Investment help

Robo advice / ready-made portfolios

Help building a portfolio

Includes a shortlist of investments

Pick your own funds

Pick your own shares

The 'Geeky' Details

Provider details

AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds. It’s therefore likely to confuse the less confident and it could take a while to wade through it all. It does have a range of low-cost all-in-one passive funds for those who want someone else to do the heavy lifting. 
 
Charges start off at 0.25% for the platform, excluding any fund charges. This tiers down for large portfolios and there’s a cap on shares. This tends to make them pretty low cost, whether you have a small or large portfolio containing shares or funds. There are fund and share dealing charges, so there are cheaper options available for those that regularly invest small amounts into multiple funds. 

Important Facts & Figures

Provider Size:

Large firm: manages £bns on behalf of investors and financial advisers

Minimum amounts: £25 minimum monthly amount
£500 minimum initial amount for third party funds. £1 minimum investment into AJ Bell passive funds.
12 month indicative performance:

AJ Bell's passive fund range has less than one year track record.

Your Questions

"I want to invest in one specific company’s shares. What’s the cheapest way to do this via an ISA?"

Peter, Lincolnshire

21/05/2019

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"I've been reading about Beaufort Securities, and how potentially the administrator could have used investor money to cover their costs. What is the best way to avoid the same thing happening to my Stocks and Shares ISA?"

Jenny, Greater Manchester

29/04/2019

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"I am 47 years old and up to this point I have ensured I have sufficient cash saved and regularly overpay my mortgage. I also have a company pension into which I pay additional voluntary contributions. I would now like to open an investment ISA for growth, with an initial figure of about £5000 and then about £250 per month (more when possible) for at least 10 years. I am tempted by the Vanguard LifeStrategy 80 due to the low fees and strong reputation. I would also consider investing in a couple of other Vanguard funds as well. Would this be advisable or relatively unnecessary, if I'm already investing in the LifeStrategy fund? I have also been looking with interest at a number of other companies including, Nutmeg, Wealthify, IG and AJ Bell Youinvest. Is there any provider that would stand above the others as most suitable in my circumstances? Whilst I would like my investment to start working without too much input from me, I would be happy to get more involved as my knowledge and understanding increase. Any insight or opinions you may have would be appreciated. Thanks."

Matt, South Yorkshire

11/03/2019

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