Junior ISA

Boy with telephone toy

Invest for your child’s future with a stocks and shares Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April)., provided by Family Investments.

Key benefits

  • Pay no income or capital gains tax: invest up to £4,000 in the 2014/15 tax year
  • Choose how much your initial investment is: set up a Direct Debit from as little as £10 per month or invest a lump sum of £500 or more
  • Potential for higher returns: the Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April). is linked to the performance of the stock market investing mainly in UK and overseas shares and fixed interest investments

Junior ISA is provided by Family Investments
The tax advantages of the Junior ISA depend on you and your child's individual circumstances and the tax treatment of Junior ISAs may change in the future.
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.

How it works

The goal of the fund is long-term growth mainly through investment in UK and overseas shares and fixed interest investments.

It can be opened by parents and legal guardians on behalf of children under the age of 16, who didn’t qualify for a Child Trust Fund, with a regular Direct Debit from as little as £10 per month. Alternatively it can be opened with a lump sum of £500 or more.

There’s an annual management charge of 1.5% and additional expenses of approximately 0.2% of the value of the fund.

  • The money can only be accessed by the child and only from the age of 18, potentially providing them with a financial head start that they can use for whatever they need
  • Once the account is open, anyone can contribute to it by Direct Debit, bank transfer or cheque. The maximum contribution in this tax year is £4,000 minus any contributions to a cash Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April)..
  • This is a medium to long-term investment and you should be prepared to invest for at least five years

The value of stocks and shares can fall as well as rise and the child could get back less than has been paid in. This Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April). is provided by Family Investments. Neither Family Investments nor Post Office is able to give you financial advice on the suitability of this product. If you have any doubts you should seek financial advice.

For more information, read our FAQs.

Boots Gift Voucher Offer

Invest in a Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April). and, when you open up the account and set up a regular Direct Debit of £10, we’ll give you a £10 Boots voucher. Up your Direct Debit to £20 or more and you’ll receive a £20 voucher.

You should receive your gift voucher within 90 days of your Direct Debit being set up.

How is your child's Junior ISA doing?

You will receive two statements each year; one will be sent shortly before your child’s birthday and the other will be sent within six months of this date. You can also register for online statements or get an update over the phone.

Is this Junior ISA right for you and your child?

Right for you and your child if:

  • You want a long-term investment and are happy to put money away for at least five years
  • You want to invest in stocks and shares for potentially higher returns
  • You want to open with a regular Direct Debit from as little as £10 per month or a lump sum of £500 or more

Try something else if:

  • You want your child to have access to the money before the age of 18
  • Your child already has a Child Trust Fund
  • You want a guaranteed return on your investment

Take a look at the other products that are available for children like Post Office Instant Saver and Growth Bonds

Did you know our Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April). is provided by Family Investments, a company who look after the finances of over 1.8 million people?

Your savings are protected by the Financial Services Compensation Scheme. Find out how

Definitions

0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.

Junior ISA: Junior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April).

Tax-efficient: Return will be free of UK income tax and capital gains tax.

Invest for your child’s future with a stocks and shares Junior ISA, provided by Family Investments.

Key benefits

  • Pay no income or capital gains tax: invest up to £4,000 in the 2014/15 tax year
  • Choose how much your initial investment is: set up a Direct Debit from as little as £10 per month or invest a lump sum of £500 or more
  • Potential for higher returns: the Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April). is linked to the performance of the stock market investing mainly in UK and overseas shares and fixed interest investments

Junior ISA is provided by Family Investments
The tax advantages of the Junior ISA depend on you and your child's individual circumstances and the tax treatment of Junior ISAs may change in the future.
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.

How it works

The goal of the fund is long-term growth mainly through investment in UK and overseas shares and fixed interest investments.

It can be opened by parents and legal guardians on behalf of children under the age of 16, who didn’t qualify for a Child Trust Fund, with a regular Direct Debit from as little as £10 per month. Alternatively it can be opened with a lump sum of £500 or more.

There’s an annual management charge of 1.5% and additional expenses of approximately 0.2% of the value of the fund.

  • The money can only be accessed by the child and only from the age of 18, potentially providing them with a financial head start that they can use for whatever they need
  • Once the account is open, anyone can contribute to it by Direct Debit, bank transfer or cheque. The maximum contribution in this tax year is £4,000 minus any contributions to a cash Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April)..
  • This is a medium to long-term investment and you should be prepared to invest for at least five years

The value of stocks and shares can fall as well as rise and the child could get back less than has been paid in. This Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April). is provided by Family Investments. Neither Family Investments nor Post Office is able to give you financial advice on the suitability of this product. If you have any doubts you should seek financial advice.

For more information, read our FAQs.

Boots Gift Voucher Offer

Invest in a Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April). and, when you open up the account and set up a regular Direct Debit of £10, we’ll give you a £10 Boots voucher. Up your Direct Debit to £20 or more and you’ll receive a £20 voucher.

You should receive your gift voucher within 90 days of your Direct Debit being set up.

How is your child's Junior ISA doing?

You will receive two statements each year; one will be sent shortly before your child’s birthday and the other will be sent within six months of this date. You can also register for online statements or get an update over the phone.

Is this Junior ISA right for you and your child?

Right for you and your child if:

  • You want a long-term investment and are happy to put money away for at least five years
  • You want to invest in stocks and shares for potentially higher returns
  • You want to open with a regular Direct Debit from as little as £10 per month or a lump sum of £500 or more

Try something else if:

  • You want your child to have access to the money before the age of 18
  • Your child already has a Child Trust Fund
  • You want a guaranteed return on your investment

Take a look at the other products that are available for children like Post Office Instant Saver and Growth Bonds

Did you know our Junior ISAJunior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April). is provided by Family Investments, a company who look after the finances of over 1.8 million people?

Your savings are protected by the Financial Services Compensation Scheme. Find out how

Definitions

0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.

Junior ISA: Junior Individual Savings Account - There are two types of Junior ISA: cash accounts and stocks and shares accounts. An eligible child can hold: just a cash account, just a stocks and shares account; or, both a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,000 into a Junior ISA in the 2014/15 tax year (6th April to 5th April).

Tax-efficient: Return will be free of UK income tax and capital gains tax.

Start saving for your child Apply now

Small print

Information correct as at 1st July 2014.

About Family Investments

Family Investments is a trading name of Family Investment Management Limited (Co. No. 1915516) and Family Equity Plan Limited (Co. No. 2208249), which are authorised and regulated by the Financial Conduct Authority. Registered in England and Wales at 16-17 West Street, Brighton, BN1 2RL, United Kingdom.

About the Post Office

Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation 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 No 2154540. Registered office is 148 Old Street, London EC1V 9HQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

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0800Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes. 169 7500

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