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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 2019 to 5 April 2020 your client can invest up to £4,368 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 2019 to 5 April 2020) 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 the fund's assets will go down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested.
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