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AJ Bell Youinvest SIPP Review

as of 18/11/2020 at 11:18 am

Our View

Clear and easy to use. The secure site has been gradually improving over the last 12 months as has the app, which is easy to navigate. Simple things such as using colour to help navigate different tax wrappers make a difference. The supporting research and market information is strong.

Our Rating

Recommended For

Beginner Investor

Confident Investor

In a nutshell

Low cost

Strong on pensions

Good research and content

You Say

Your overall rating

Based on 0 reviews

What to Expect

Investment Choice

Products

Stocks and Shares ISA

Junior ISA

Lifetime ISA

Shares

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 are pensions specialists and feel like an experienced groups for those saving into a pension – and taking an income from one. 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. 
 
Pension charges are broadly similar to ISA fees, starting 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 both fund and share dealing charges, so there are cheaper options available for those that regularly invest small amounts into multiple funds. 
AJ Bell charge £120 per year (inc VAT) for regular income drawdown payments.

Important Facts & Figures

Provider Size:

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

Minimum amounts: £26 minimum monthly amount
£501 minimum initial amount for third party funds. £1 minimum investment into AJ Bell passive funds.

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