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In this section

Junior SIPP
Be invested in making a difference to a child’s longer-term future. From small acorns, mighty oak trees grow.
Important information - the value of investments can go down as well as up, so you may not get back what you invest. Eligibility to invest in a Junior SIPP depends on personal circumstances and all tax rules may change in the future. Withdrawals from a Junior SIPP will not normally be possible until the child reaches age 55 (57 from 2028).
Giving your child a head start
A Junior Self-Invested Personal Pension (SIPP) is a tax-efficient way to build a retirement nest egg for a child. The Junior SIPP allowance for the current tax year is £3,600 and you have until 5 April to use it.
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How a Junior SIPP works
- Contribute up to £2,880 a year and the government will add up to £720 basic tax relief (20%) making a total contribution of up to £3,600
- Make a single payment online via debit card, bank transfer and cheque
- Start a regular savings plan from just £20 a month, or request a third party payment
- As an example, to pay in a total of £100 to a Junior SIPP, you will only need to contribute £80, and the government will pay the other £20.
- There are over 3,000 funds
- Large selection of UK shares
- Investment trusts and exchange-traded funds (ETFs)
- Investment solutions from our experts
- Get expert guidance emails and articles to help you invest
- Receive a statement and valuation every six months to help keep track of your investments
- Manage your Junior SIPP 24/7 online or on our app
Let’s get started
You can open a Junior SIPP for a child if you are their parent or guardian. The account is held in the child’s name and the child must be under the age of 18.
Open a Junior SIPP
Transfer a Junior SIPP
Your Junior SIPP checklist
Please print, complete and post the Junior SIPP form below.
You will need:
- Bank or building society details of everyone who intends to pay into the Junior SIPP
- The code or name of any investments in the Junior SIPP
Junior SIPP FAQs
Control of a Junior SIPP will automatically pass down to the Child when they reach the age of 18. However, withdrawals from the account are not usually possible until they turn 55 (57 from 2028).
We can't tell you whether setting up a pension for your child is the right choice for you as everybody’s circumstances are different and the value of investments can go up and down, but Junior SIPPs could help your child get the retirement you want for them. Junior SIPPs are a very tax-efficient way of saving and the money is locked away safely so the child usually can't withdraw until they reach the age of 55 (57 from 2028).
You can put up to £2,880 into your child's pension each year, and the government will add 20% tax relief on top of this making a total contribution of up to £3,600.
Important information: This information is not a personal recommendation for any particular product, service or course of action. If you are unsure about the suitability of a Junior SIPP for your personal circumstances, you should speak to one of Fidelity’s advisers or an authorised financial adviser of your choice.
Your Junior SIPP checklist
If you’re ready to proceed, you'll need:
- Your National Insurance number
- If the child is 16 or above - Junior's National Insurance number and their agreement to the tax relief declaration. The child must be present to provide their confirmation.
Once the account is open, you’ll be able to contribute by:
- Making a single payment via debit card, bank transfer or cheque
- If you want to set up regular contributions by direct debit or request payment from a third party, a form will be available to download at the end of the application.
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Please remember that past performance is not necessarily a guide to future performance, the performance of investments is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. This website does not contain any personal recommendations for a particular course of action, service or product. You should regularly review your investment objectives and choices and, if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser. Before opening an account, please read the ‘Doing Business with Fidelity’ document which incorporates our client terms. Prior to investing into a fund, please read the relevant key information document which contains important information about the fund.
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