You can open a Junior SIPP shortly after your child has been born. There is no minimum age to open a Junior SIPP. However, the account has to be opened by a parent or guardian. The child must be under the age of 18 and the account held in the child’s name, but the account is still managed by the parent or guardian. Once the child turns 18, they get control over the account and how the money is invested. Like with a standard SIPP, they can’t withdraw money from the account until they reach the minimum age of 55 (rising to 57 in 2028) so it is certainly a long-term savings account.