Our Junior ISA

The Junior ISA is an affordable way for you to save and invest on behalf of your child. You can invest from as little as £10 a month.

 

If you've read the details and are happy the Junior ISA is right for you, you can apply online today.

Apply online

Junior ISA - from Family Investments

We offer a stocks and shares Junior Individual Savings Account (Junior ISA).

The Junior ISA allows you to invest up to £3,720 in the current tax year in a cash or stocks and shares Junior ISA, or a combination of both.

Only the child will be able to access the money and only from their 18th birthday. 

More information »

 

  • No Child Trust Fund?

    Our Junior ISA is available to eligible children under the age of 16 who did not qualify for a Child Trust Fund.

  • £3,720 limit

    Parents, family and friends can contribute up to £3,720 this tax year into a Junior ISA account, either on a regular or one-off basis.

  • For your child's future

    The money in the account can only be taken out by the child and only once they reach 18 years of age.

  • A choice of funds

    The Family Investments Junior ISA offers a choice of two funds, including an ethical option.

  • Simple and affordable

    You can contribute from £10 a month into our Junior ISA. You can also open a Junior ISA with a £500 lump sum.

Set up a Direct Debit between £10 and £19.99 a month when applying online to receive a £10 Boots voucher. Direct Debits over £20 receive a £20 voucher.

Its aims

  • To provide a child with a tax-free lump sum at the start of their adult life which they can use to invest in their future.
  • Our Junior ISA aims to achieve growth by investing mainly in UK and overseas stocks and shares, along with fixed interest investments.
  • Our ethical Junior ISA aims to achieve growth by investing mainly in UK shares of companies that make up the FTSE4Good UK 50 Index in order to closely follow its performance.






Your commitment

  • You can open a Family Investments Junior ISA by committing to invest at least £10 a month by Direct Debit or with a lump sum of at least £500.
  • You can also open our Junior ISA by transferring at least £500 from an existing Junior ISA held with another provider.
  • You don't have to maintain monthly payments or make any additional payments if you don't want to; but, as the money is invested in stocks and shares, you should expect the money to remain invested for at least five years.
  • All payments into a Junior ISA are considered a gift to the child and cannot be returned.
  • The money in the account can only be taken out by the child and only once they reach 18.

The risks

  • Because the money in the account is invested in stocks and shares, its value can go down as well as up.
  • If you are investing in our ethical fund, please note it cannot invest in certain sectors and companies because of the ethical screening. This could mean the fund carries greater risk than a fund which has no such restrictions
  • Over time, the cost of living will generally rise, reducing the real value of any investment growth. This means that the child may not be able to buy as much in the future with the proceeds of the investment as they could do today.
  • If the value of the account falls shortly before the child wants or needs to withdraw the money, it could mean that they do not have enough money to meet their needs.
  • The child may get back less than has been invested.
  • If you decide to cancel and the value of the investment has fallen, the amount returned may be less than the amount invested.
  • The tax advantages of Junior ISAs depend on your and your child's individual circumstances. The tax treatment may change in future, if this happends, the potential growth on the account may be reduced.

Eligible for a Junior ISA?

The Junior ISA is a great way to save and invest for a child who was not eligible for the Child Trust Fund.

Save for your child's future

The money is held for your child until age 18, when the account becomes an adult ISA and the funds can be withdrawn. Only the child will be able to access the money, and only from the age of 18.

Apply online

  • Apply online

    Start online application

  • Request an information pack

    Request info

  • Call our helpline

    0800 616 695

    9am-7pm weekdays and 9am-12 noon Saturday.
    Calls may be recorded and monitored for training purposes