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Stability and reliability of AJ Bell Youinvest

Your expert
Fact checked by
Tamás D.
Oct 2023
Personally tested Personally tested
Data-driven Data-driven
Independent Independent

Can I trust AJ Bell Youinvest for long-term investment as of October 2023?

In short, yes, AJ Bell Youinvest can be trusted, as it is regulated by at least one top-tier financial authority. But is it the best for long-term investment?

If you want to invest for the long term but avoid the hassle of having to switch brokers often, you'll need a broker that will still be around in 10-20 years' time. This is something that's impossible to predict for certain, but a broker's age and its background are among a handful of clues that can tell you about its potential staying power.

AJ Bell Youinvest was founded in 1,995 and does not have a banking background. Read on to see what this means for you and how this compares to the rest of the field.

My key findings in a nutshell
Gyula Lencsés, CFA
Stock Market Maestro | Stock Market • Investment • Market Analysis

I've thoroughly tested AJ Bell Youinvest services with our analyst team by opening a real-money account and these are my most important findings:

  • AJ Bell Youinvest was founded in 1,995, making it a veteran of the online brokerage market
  • AJ Bell Youinvest lacks the added security provided by a banking background
  • Top-tier regulation is essential; stock-exchange listing is a plus
AJ Bell Youinvest stability
Banking background
Listed on stock exchange
Foundation date

Data updated on October 10, 2023

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Is AJ Bell Youinvest a well established broker?

The online brokerage market itself is relatively new, so you won't find many players that have been around for decades, unless they started out offline. The last few years in particular have seen a lot of newcomers, especially in the discount broker segment. Still, how long a broker has existed says a lot about its resilience in the face of market troubles and about the strength of its business model.

AJ Bell Youinvest was founded in 1,995. This broker has seen it all, including the burst of the dotcom bubble, the 2008-09 financial crisis, Covid-19, and everything in between. Based on this alone, AJ Bell Youinvest is as good a place as any to manage your long-term investments. For additional hints about the stability of its operations, see the next chapters for more info about its background and regulation.

There are many aspects that can influence your broker choice, including fees, platform quality or the range of products available for trading. But, all other factors being equal, a broker with a longer track record is probably a better choice for long-term investment.

AJ Bell Youinvest and competitors foundation date
Foundation date
1,995 2,003 1,981

Data updated on October 10, 2023

Does AJ Bell Youinvest have a banking background?

No, AJ Bell Youinvest doesn't have a banking background.

Why is this important? A broker with a banking license (or with a bank as its parent company) means that it has met stricter criteria when it comes to having sufficient capital and handling client deposits. Also, many of the banks that are behind online brokers have operated for decades, a potential sign that their brokerage operations could be around long enough in the future to handle your long-term investments.

Still, having a banking background is not an ultimate guarantee of long-term stability, as banks can also sometimes go bankrupt, or simply make a business decision to cease their brokerage activities.

The majority of online brokers (including most brokers reviewed by BrokerChooser) do not have a banking background, so it probably shouldn't be a make-or-break criterion when selecting a broker. Instead, treat this as an additional layer of security and added proof of long-term broker stability.

AJ Bell Youinvest and competitors banking background
Banking background
No No No

Data updated on October 10, 2023

Other aspects of long term broker stability

One consideration that should be near the top of your list when sizing up the stability and trustworthiness of a broker is regulation. We at BrokerChooser only feature brokers that are regulated by at least one top-tier financial authority.

AJ Bell Youinvest is regulated by the following financial authorities: FCA in the UK.

It is also worth checking whether a broker is listed on a stock exchange. A stock exchange listing requires a broker to disclose its financial information publicly, and in general operate transparently. Having gone through this process is a sign that the broker is taking its mission seriously and is positioning itself to stick around for the long term.

Only a small minority of online brokers are listed on a stock exchange, so you probably shouldn't automatically rule out the ones that aren't. Rather, you should view this as a plus when assessing a broker's long-term trustworthiness.

AJ Bell Youinvest and competitors stock exchange listing
Listed on stock exchange
Yes No Yes

Data updated on October 10, 2023

Best brokers for long-term investment

Do you want to zoom out and pick the best broker for long-term investment based on a full set of criteria including fees, trading platform experience and product selection? Look no further than our list of the best brokers for buy-and-hold investors.

Check out this short video for a behind-the-scenes peek into how our experts personally test and evaluate brokers.

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Further reading

Author of this article

Gyula Lencsés, CFA

Master of Broker Brilliance | Stock Market • Commodities • Market Analysis

With over a decade in finance, I lead content creation at BrokerChooser and personally evaluated some of our 100+ listed brokers. I open real-money accounts, execute transactions, and engage with customer services, offering firsthand assessments. Prior to BrokerChooser, I managed mutual funds in wealth management, trading stocks, ETFs, bonds, commodities, forex, and derivatives. My goal: simplify the hunt for top brokers in a dynamic investment landscape.

Everything you find on BrokerChooser is based on reliable data and unbiased information. We combine our 10+ years finance experience with readers feedback. Read more about our methodology.

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