- A Junior Self-Invested Personal Pension (Junior SIPP) is a tax-efficient way to start building a nest-egg for your child.
- Contribute lump sums, or start a regular savings plan from as little as £50 per month, with friends and family able to contribute too.
- Invest up to £3,600 during the 2018/19 tax year and receive 20% government tax relief added to the account.
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Start saving just a small amount now on behalf of a child to make a real difference to their future.
What is a Junior SIPP?
Our Junior SIPP
Open an account on behalf of your child to help secure their retirement and receive a statement and valuation every six months to keep track of how your investments are doing.
- Invest your child’s Junior SIPP allowance in a wide range of funds, ETFs or investment trusts.
- Get instant access to our investment expertise, market insight and planning tools. And our freephone UK call centre is open six days a week.

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. Control over the investments pass on to the child once they turn 18 and withdrawals from a Junior SIPP will not normally be possible until the child reaches age 55.
Opening a Junior SIPP
Fill out the form we provide you with below, make a payment of at least £800, or start a regular savings plan from £50.
Start saving for your child's retirement today
Thanks to long-term growth potential and the effect of compounding, investing just £3,600 into a Junior SIPP when your child is born can make a huge difference to their retirement savings. And, thanks to government tax relief, paying in only £2,880 will see £3,600 added to the child's Junior SIPP account.

Tax rules and reliefs are likely to change between now and a child’s retirement and the eligibility to invest in a pension will depend on personal circumstances. The amount you might get back at 65 is only a projection, it's not guaranteed. Please remember, how your investments perform and the charges may affect the value of your investments and you may not get back the amount you invested. You will not normally be able to withdraw money from a pension until you are 55.
How a Junior SIPP works

Opening a Junior SIPP
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.
Contribute up to £2,880 a year
You, or anyone else, can contribute up to this £2,880 a year. These contributions will benefit from basic rate tax relief (currently 20%) from the government.


£20 tax relief for every £80 paid
Tax relief from the government means up to £3,600 can be invested with only £2,880 needing to be paid in.
Control passes to the child at 18
Control of the investments passes to the child when they turn 18, however the money is locked away until retirement age (usually after 55). At this point there will be a few ways to take the pension.

This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
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
Fidelity Personal Investing does not give advice based on personal circumstances so you are responsible for deciding whether an investment is suitable for you. In doing so, please remember that past performance is not necessarily a guide to future performance, the performance of funds 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. Before investing into a fund, please read the relevant key information document and ‘Doing Business with Fidelity’, a document that incorporates our Client Terms. If you are investing via the Fidelity SIPP and have not yet received a letter from us confirming you have moved to our new system, or are opening a new SIPP today you should read the Fidelity SIPP Key Features Document incorporating the Fidelity SIPP Terms and Conditions. Alternatively, if you open a new SIPP account after 28th February 2019 and are under 53 years old, or if you have already received a letter from us confirming you have been moved to our new system, you should read the Doing Business with Fidelity document incorporating our Client Terms. 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.