Invest in your child's future

University, a car or even putting down a deposit on a home…whatever your child’s dreams, you can be confident our stocks and shares Junior ISA could help.

What is a Junior ISA and who is eligible?

In 2011 the Government introduced Junior ISAs initially for children that weren’t eligible for a Child Trust Fund (CTF) because of their age.

There are two forms of Junior ISA; cash or stocks and shares. Both are available to children who:

  • are under the age of 18 and do not have a CTF
  • are resident in the UK, or dependants of a crown servant

From 6 April 2015 transfers from CTFs into Junior ISAs became possible. For more information visit our  Transferring a Child Trust Fund to a Junior ISA  page.

Designed for children

Our stocks and shares Junior ISA offers all the tax-efficiency of an adult stocks and shares ISA – meaning no personal income tax or capital gains tax has to be paid – but is designed especially for children.

  • They can only be set up by an eligible child who is aged 16 or over, or by the person with parental responsibility for an eligible child.
  • Once set up, anyone can contribute to the Junior ISA up to the annual limit, currently £4,128.
  • The money is locked away until the child becomes 18; making it a great way to save for their future.

When the child turns 18 the Junior ISA will be rolled into an adult stocks and shares ISA automatically. However, they may also choose to take some or all of the money from this point forwards.

The tax assumptions we’ve used are those currently relevant, but tax laws can change over time which could affect investments. The value of the tax benefit will depend on individual circumstances.

A simple choice

We’ve listened to what our customers want from their investments and developed a couple of options that may help you to make your choice. However, if you want to play a more active role in selecting where your child’s money is invested, you can use the ‘Pick your own’ option to access one or more of over 30 funds.

1. Responds to the markets

What it does: an expert team monitors the economic situation on your behalf, moving quickly to invest in a range of funds that they feel are best suited to the latest market conditions. 
A good option if: you like the idea of your investment decisions being made by a team of experts. By investing in this option, the investment will be spread across many funds, each investing in a range of companies and assets.

2. Follows the UK market

What it does: invests in some of the biggest names in the UK stock market. It closely follows the performance of the FTSE All-Share Index, which is made up of over 600 of the largest companies in the UK.
 A good option if: you want the investment to closely follow the performance of the UK stock market. We consider this to be a slightly more risky investment than the ‘Responds to the markets’ option. 

3. Pick your own

What is this: if you’re looking for something different, we have a range of funds that invest in different countries and sectors, giving you access to some of the largest companies in the world. 
A good option if: you want to invest in one or more of our full range of funds.


Additional information

  • Please remember the value of your child’s investment may fall as well as rise and is not guaranteed. This means it may be worth less than the amount invested.
  • Although there is no fixed term you should consider ISA investments to be medium to long term, ideally five years or more.

About our Junior ISA options and how to invest.  

Existing customer looking to top up? Download the Junior ISA top-up form (PDF: 74KB)  . Junior ISA - your options for Stocks and shares Junior ISA.