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Can I make a SIPP contribution for my child/grandchild?

Yes, and contributions are eligible for tax relief. You can pay up to £2,880 into your child/grandchild's SIPP each tax year. The government will automatically add up to £720 (20%) tax relief. If the child has earnings above £3,600, you will be able to pay in more.

Tax rules can change and the tax relief will be based upon the child's status, not your own. The amount you can contribute to your own pensions will remain unaffected.

Any higher rate tax relief due will be based on the earnings of the child and can be claimed by them, not you.

A pension can't usually be accessed until at least age 55 (57 from 2028, then increasing so it remains 10 years below state pension age).

The child's legal guardian will have to open the SIPP, but anyone can make contributions.

More information and how to apply for a Junior SIPP

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