Transfer Junior SIPP

Important information - please keep in mind that 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. The minimum age you or your child can normally access pension savings is currently 55, and is due to rise to 57 on 6 April 2028, unless you have a lower protected pension age.

Transferring a Junior SIPP so you can see it alongside your existing Fidelity accounts can help you track your savings and plan for your family’s collective future more effectively. It could also be cheaper, as we do not charge a service fee on investments held in junior accounts.

Important information - please keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. Pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a Junior SIPP transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered.

Junior SIPP transfers can be done as cash which may mean you are out of the market while the process takes place. If you would like to keep the same investments (re-register) that are in your Junior SIPP and they’re available on our platform, then you need to apply to transfer by post. Withdrawals from a Junior SIPP will not normally be possible until the child reaches age 55 (57 from 2028).

If you are in any doubt whether or not a pension transfer is suitable for your circumstances we strongly suggest that you seek advice from an authorised financial adviser. To find out what else you should consider before transferring, please read our pension transfer factsheet.