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AJ Bell Youinvest

AJ Bell Youinvest

AJ Bell Youinvest’s

Parent firm started out in life as a pension specialist. And these guys know their stuff, unlike some stockbrokers who have chucked a pension into the mix. Probably one of the most solid and best value choices out there for those with more complex pension needs and questions

What we say

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Holly's View

Holly has accounts with all the providers on our website and independently reviews all of them.

AJ Bell Youinvest’s parent firm started out in life as a pension specialist. And these guys know their stuff, unlike some stockbrokers who have chucked a pension into the mix. Probably one of the most solid and best value choices out there for those with more complex pension needs and questions.

Holly Mackay Holly Mackay
Holly Mackay Founder and CEO of Boring Money

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Overall Summary

Mobile & Apps

AJ Bell’s mobile app is available on both Android and iOS devices. Through the app users can sign up, research, and purchase investments, as well as just simply add money to your account. On iOS devices the app can be linked to the control center and there’s the option of two-factor authentication if security is your thing. Overall the app is very clean and easy to use despite looking rather boring! .

Behind the scenes

The secure site has been much improved. It’s clear to navigate around and it’s one of the easiest platforms for trading.

Post trade things are played back simply which might seem obvious but many others could learn a lesson from this!

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 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 also has 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 – the admin fee on any shares held will be capped at £10 a month from 2021. This tends to make them pretty cheap, whether you have a small or large portfolio containing shares or funds. There are fund and share dealing charges, £1.50 and £9.95 respectively, so there are cheaper options available for those that regularly invest small amounts into multiple funds.

From the 1st of January 2021, accessing your pension will be free, as AJ Bell have decided to remove the specific fees for drawdown events (such as ad hoc payments). This makes the costs of having a pension here easier to compute. There are no exit fees for cash transfers but they still charge exit fees for transferring investments in specie and are one of the few in the market to do so.

Important Facts & Figures

Provider Size:

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

Minimum amounts:

£1000 minimum lump sum investment.

AJ Bell Youinvest