Ready-Made Pension: Easy & Simple Pension

What is a Ready-made pension?

Our Ready-made pension makes saving for your retirement even simpler. We’ll find your lost pensions for free and, once you’ve chosen from our streamlined range of funds, we’ll take care of the management too.

Open a Ready-made pension

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Invest up to £60,000 per year
Use your annual personal allowance of up to £60,000 (depending on your taxable earnings), including tax relief, to build a pension pot that’s right for you.
Free pension finding
Lost track of your previous pensions? We’ll find them for you, for free, with our Pension finder tool.
We manage your investments
Our in-house team of experts manage each of our funds, meaning less work for you.
One all-in charge
No hidden fees, no additional costs, just one all-in Ready-made pension charge of either 0.45% or 0.60%, depending on which fund you choose to invest in.

What is a Ready-made pension?

Our Ready-made pension makes saving for your retirement even simpler. We’ll find your lost pensions for free and, once you’ve chosen from our streamlined range of funds, we’ll take care of the management too.

Invest up to £60,000 per year
With a £60,000 annual personal allowance each tax year, including tax relief, build a pension pot that’s right for you.
Free pension finding
Lost track of your previous pensions? We’ll find them for you, for free, with our Pension finder tool.
We manage your investments
Our in-house team of experts manage each of our funds, meaning less work for you.
One all-in charge
No hidden fees, no additional costs, just one all-in charge of either 0.45% or 0.60%, depending on which fund you choose to invest in.

Open a Ready-made pension

View account key features

Get started in three simple steps

Tell us a bit about yourself Choose your investment fund Paying into your account

You’ll need your National Insurance & Bank details

It only takes a few minutes to get your AJ Bell Ready-made pension account set up. Make sure you have your mobile phone nearby so we can send you a code to keep your account safe. You’ll also need your National Insurance number and bank details, so we can identify you.

Pick from four expert-crafted funds

Next, you’ll choose one of our four AJ Bell funds managed by our team of experts. Every pension contribution you make will be automatically invested into your chosen fund. If you decide you want to switch your fund, you can do so at any time.

Pension builder

Invest in a mix of steady and adventurous assets, with an aim to grow your money and keep unpredictability at bay

Cautious

Give your money a chance to grow faster than it would in a savings account without too much risk

Adventurous

Invest mostly in shares with high growth as a priority, whilst being comfortable with sharp market ups and downs

Responsible growth

Invest in economies across the world with the highest potential to grow, whilst and accepting high degrees of uncertainty

Choose which suits you best

Finally, decide how you’d like to pay money into your account. Pick one of three options to get you started and once your account is up and running, you can add more money however you’d like, as often as you like.

Round up your lost pensions

Our free Pension finder tool will search for any lost workplace pensions you may have and automatically transfer and invest them into your chosen AJ Bell fund.
Make a single payment

This may be a good option if you have a lump sum you'd like to invest. The minimum amount for a first payment is £500. After that, there's no minimum to pay in.
Set up a regular payment

An option if you want to gradually build your pension pot over time. You can get started from as little as £25 per month.

Keep better track of how much you’ve got saved for retirement

Pay a single, low-cost account fee, instead of multiple charges

Have greater control over how your pension is invested

Open a Ready-made pension

*Most lost UK pensions can be combined into an AJ Bell Ready-made pension, but there are exceptions. Pensions with special guaranteed benefits, any public sector pensions, or those from jobs left before 1990 cannot be combined. If you have any lost pensions that cannot be moved to a Ready-made pension, or if you need financial advice before transferring to us, we’ll contact you.

We’ve created the Ready-made pension for those who want a low-cost, hands-off personal pension. It may be right for you if:

You've lost track of old workplace pensions, and want to find them for free
You don’t want to manage your investments
You're happy with a choice of four funds, managed for you by AJ Bell experts
You don’t need to access your pension for at least 5 years
You don’t already have an AJ Bell Self-invested personal pension

If you’d prefer more control over your investments and plan to access your pension soon, our Self-invested personal pension may be more suitable.

Expert tips on...
Ready-made pensions

Charlene Young

Charlene Young
Pensions and Savings Expert

Understanding how to manage a Ready-made pension is important for anyone interested in saving for retirement.

Open a Ready-made pension

View account key features

Simply choose from one of four investment funds – managed by us – and get saving for retirement.
Round up your old workplace pensions and get them working for you with our free Pension finder service.
You can also top up your Ready-made pension and get tax relief, meaning that £1,000 in a Ready-made pension can cost as little as £550 for additional rate taxpayers.
You choose your investment fund, and we’ll invest any cash paid in automatically.
With no dealing charges, it’s one of the most affordable ways you can build a personal pension.

Expert tips on…
Ready-made pensions

Understanding how to manage a Ready-made pension is important for anyone interested in saving for retirement.

Charlene Young
Pensions and Savings Expert

Simply choose from one of four investment funds – managed by us – and get saving for retirement.
Round up your old workplace pensions and get them working for you with our free Pension finder service.
You can also top up your Ready-made pension and get tax relief, meaning that £1,000 in a Ready-made pension can cost as little as £550 for additional rate taxpayers.
You choose your investment fund, and we’ll invest any cash paid in automatically.
With no dealing charges, it’s one of the most affordable ways you can build a personal pension.

Open a Ready-made pension

View account key features

Still not sure about opening a Ready-made pension?

We get it, planning for retirement can be daunting and confusing. If you want to know more about saving for retirement or tips on how to make your pension last as long as you need, find out more below.