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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 2017 to 5 April 2018 your client can invest up to £4,128 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 (£20,000 from 6 April 2017 to 5 April 2018) 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.

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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. 
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