Junior ISAs

Savings for your children can be a confusing business, but with the rising cost of both university and house prices there has never been a more important time to save for your childs future.


A Junior ISA is a great way to put money aside and give your child the best start in life. Similar to an Adult ISA, Junior ISAs provides tax free saving. Any parent or guardian can open it and anyone can make contributions to it.


Any UK resident child, who is not eligible for a Child Trust Fund (CTF), is eligible for a Junior ISA. Contributions can be made from £10 and up to £4,128 per tax year and this is set to rise each year from April, the start of a new tax year.


If you would like more information about our Junior ISAs or the savings options available please click here to read more.

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Top Tips!


    It is important to understand your goals, the amount of risk you are prepared to take (how big the ups and downs along the way can be), how long you have to invest for before you set off.


    Make sure that you own a good spread of investments as the best way to spread your risks. This is called diversifying. Our funds are all diversified investments.


    Whilst investing in cash can seem like the safest option, over the long term inflation can erode the real value of your savings. A diversified investment should add value over the longer term.


    If you are risk averse, regular saving is a good way to invest as it slowly adds your money to an investment rather than investing all in one go, smoothing the up and downs of your investment. But don't forget, less risk means less return in the long run.

By saving £132.50 per month from birth, it is possible to achieve a pot of just over £46,000, based on 5% net growth per annum. This would be enough to cover University and living costs for three years.
(based on average tuition fees of £9,000 p.a. and living costs of £6,000 p.a.)
If they are able to boost those monthly savings to £209.50, they could then achieve a savings pot of £73,462