Secure Your Child’s Future Today with a Junior ISA
Start saving today with a government-backed plan designed to help you prepare for your child’s future needs. A Junior ISA lets you put aside money each year, completely tax-free, so your child has a financial head start when they turn 18.
A Simple Way to Invest in Your Child’s Future!
Give your child a head start with a Junior Individual Savings Account (JISA) — a long-term, tax-free savings solution designed specifically for children under 18.
What is a Junior ISA?
A Junior ISA is a savings account that allows parents, guardians, and family members to invest on behalf of a child — completely tax-free. Any interest, dividends or investment growth earned within the account is free from Income Tax and Capital Gains Tax.
You can open a JISA if your child:
Is under the age of 18
Is a UK resident
The money belongs to the child and is locked away until they turn 18, at which point the account converts into a standard adult ISA.
Why Choose a Junior ISA?
When you invest in JISA, you gain far more than market exposure — you gain complete financial control with expert support.
Education Planning
Build funds for your child’s school or university future.
First Steps to Home Ownership
Start saving early for their first property deposit.
Tax-Free Growth
All interest and gains are completely tax-exempt.
How Does a Junior ISA Work?
Only a parent or legal guardian can open a Kids’ ISA, but anyone (including grandparents, relatives, or friends) can contribute to it.
Tax Year 2024/25 Contribution Limit: £9,000
Funds are locked until age 18
The child gains full access to the account upon reaching 18
No tax is due on withdrawals or investment returns
Contributions are flexible — lump sum or ongoing
This savings tool can help your child build towards future goals such as:
University tuition or accommodation
A deposit on their first home
A long-term savings foundation or “nest egg”
Fees & Minimum Investment
Our structure is simple and performance-driven — no upfront or commission-based fees. We only profit when you do.
Equities
Minimum: £100,000 | 0% management + performance fee only when returns are positive
Fixed Income
Minimum: £250,000 | 0% management + performance fee on realised gains
Balanced
Minimum: £300,000 | 0% management + performance fee aligned with returns
Common questions
Can I transfer a Child Trust Fund into JISA?
Yes, if your child has a Child Trust Fund (CTF), you can transfer it into a Junior ISA. This lets you benefit from better growth options and flexibility, while still staying within the annual allowance.
What happens when my child turns 18?
When your child reaches 18, their kids' ISA automatically converts into an adult ISA. They gain full control of the account and can choose to withdraw or continue investing tax-free.
What if I stop contributing to the Child ISA?
That’s fine. Even if you don’t add money every year, the account remains open and continues to grow from existing funds until your child turns 18.
Get Started with a Junior ISA Today
Call 0207 459 4754 or Contact Us to open a ISA and start building their future.