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Junior ISA
Invest in your child's future
A tax-efficient way to invest for a child's future
- The Post Office Junior ISA is provided by Family Investments
- A stocks and shares Junior ISA
- Parents and guardians can open one on behalf of children under the age of 16, who didn’t qualify for a Child Trust Fund
- Open with a regular Direct Debit from as little as £10 per month. Alternatively you can open with a lump sum of £500 or more
- Invest up to £3,600 in the 2012/13 tax year minus any contributions to a cash Junior ISA
- It’s a medium to long term investment that offers the potential to benefit from the growth of the stock market. Contributions are invested in the Family Balanced International fund, which invests mainly in both UK and overseas shares, along with fixed interest investments. Please bear in mind that the value of stocks and shares can fall as well as rise and the child could get back less than has been paid in
- Competitive charges
- Tax efficient – return will be free of income tax and capital gains tax
- Only the child will be able to access the investment, and only from the age of 18
- The child can look after the account themselves from the age of 16
The Post Office Junior ISA is provided by Family Investments. Neither Family Investments nor Post Office provide advice. If you have any doubts about the suitability of this product, you should seek financial advice.
Tax advantages depend on your, and your child’s, individual circumstances and the tax treatment of Junior ISAs may change in the future.
Family Investments is a trading name of Family Equity Plan Limited (Co. No. 2208249), which is authorised and regulated by the Financial Services Authority (25 The North Colonnade, Canary Wharf, London, E14 5HS). Registered in England and Wales at 16–17 West Street, Brighton, East Sussex BN1 2RL. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised and regulated by the Financial Services Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 07022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Office Limited is registered in England and Wales. Registered number 2154540. Registered Office at 148 Old Street, London EC1V 9HQ.
