The information in this site is intended for financial advisers only. 

The information contained in these pages must not be used or relied upon by private investors. We recommend that you read our 'Terms & Conditions' before browsing the site.

Please click the appropriate button to the right to confirm that you are a financial adviser and wish to continue.

This site uses cookies

The cookies settings on this website are set to ‘allow cookies’ to give you the best experience of our website. If you would like to find out more about cookies or change your settings, please refer to our Privacy & Cookies policy.

By clicking to accept you are a financial adviser and proceeding beyond this page, you are agreeing to our use of cookies.


Junior ISAs

Junior ISAs (Junior Individual Savings Accounts) offer investors a straightforward way to save for a child's future and is available to all UK resident children who do not have a CTF (Child Trust Fund) account.


  • From 6 April 2016 to 5 April 2017 your client can invest up to £4,080 on a child’s behalf. 
  • Your client can invest by either regular payments or with a lump sum, at any time.
  • Anyone can gift or contribute into a Junior ISA (including the child for whom it is held) - making it a great alternative for Christmas or birthdays.
  • The account has to be opened by a person with parental responsibility or legal guardianship.  
  • The money invested can only be redeemed by the child once they reach 18 years of age.
  • Any returns the investment generates will be free from income and capital gains tax.
  • Children living in the UK who do not have a Child Trust Fund account will qualify for a Junior ISA account.
  • Junior ISAs have the flexibility to switch from cash to stocks and shares and back again, giving your client greater control over their child’s investment.
  • Investing in a Junior ISA will not affect your client’s own annual ISA allowance (£15,240 from 6 April 2016 to 5 April 2017) and it doesn’t need to be declared on their personal tax return.
  • As the investment is inaccessible until the child turns 18, they can be an ideal investment solution to help provide for a child’s future.

Need further information?

Cyveillance Protected

The value of investments will fluctuate, which will cause fund prices to fall as well as rise and investors may not get back the original amount invested. 
This website is for Investment Professionals only. Not for onward distribution to any other type of client. No other persons should rely on the information contained on this website. Content should therefore be shared responsibly with other investment professionals.