Junior Self-Invested Personal Pension (Junior SIPP)
A UK-registered pension for children, building retirement savings from an early age
Important: Adult account required
To open a Junior SIPP with Invinitive, the parent or guardian must first have an active account with us. If you don't already have an account, please open an Investment Account, ISA, or SIPP before registering interest in a Junior SIPP.
What is a Junior SIPP?
A Junior SIPP is a UK pension structure for children under 18, allowing them to hold a range of permitted investments within a tax-advantaged retirement wrapper. The account is managed by the parent or guardian until the child reaches age 18, at which point they gain control (though funds remain locked until minimum pension age, typically 55-57).
Contributions can be made by parents, grandparents, or other family members, with tax relief claimed in accordance with HMRC rules.
We operate on an execution-only basis and do not provide financial advice.
Who can hold a Junior SIPP?
A Junior SIPP may be established for children who are:
This information is provided for general understanding only and does not constitute a recommendation.
International Junior SIPP (Non-UK residents)
Non-UK resident children may be able to hold UK pension assets within a Junior SIPP, subject to eligibility, jurisdictional restrictions, and HMRC rules — following the same principles as adult International SIPPs.
Tax treatment depends on individual circumstances and local legislation.
Key points
2026/2027 Contribution Limits
Junior SIPP contribution allowance
Children with no UK earnings can receive contributions of up to £2,880 net per year (£3,600 gross, with 20% basic rate tax relief added automatically by HMRC).
Children with relevant UK earnings may contribute up to 100% of those earnings, capped at the Annual Allowance of £60,000 for 2026/2027.
Contributions can be made by parents, grandparents, or any third party on the child's behalf.
Important — pension access age
Funds in a Junior SIPP are locked until the child reaches the minimum pension access age — currently 55, rising to 57 in April 2028. Even after the child turns 18 and takes control of the account, they cannot access the money until that age. This is a very long-term commitment and should be considered carefully.
Fees
Clear, published fees with no hidden charges:
| Platform fee | 0.25% p.a. (capped at £400) |
| SIPP wrapper fee | £150 p.a. (only on accounts over £50,000) |
| Trade fee | £7.95 per trade |
Register your interest
Junior SIPPs are coming soon. Register your interest below and we'll notify you when they're available.
Questions about Junior SIPPs?
Our team is available to provide more information about Junior SIPPs and the registration process.
Contact the teamInvinitive does not provide investment advice. Investments can fall as well as rise in value. Pension rules and tax treatment depend on individual circumstances and may change in the future.