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Junior ISA

The Junior ISA (Junior Individual Savings Account) offers a tax free way to invest in your child’s future. They work just like a regular ISA but the funds are safely locked away until the child reaches 18 years of age and then they can have access to the funds.

In November 2011 the
Junior ISA was launched to replace the Child Trust Fund and all Children who where not eligible for a CTF are eligible for a JISA. Each eligible child can hold both a cash and stocks and shares junior isa but the total combined annual investment limit is currently £3840.

Junior ISAs are great in that the funds are locked away inside the account to prevent parents from ‘dipping in’ and anyone can contribute towards them including parents, grandparents, family and friends which makes them ideal for Birthdays and Christmas.

Please click the following link for a full list of
Junior ISA Regulations.

Top 10 Children’s Junior ISA Investments

 

Junior ISA

Fee’s

Minimum
Deposit
Requirement

Information

Further
Details

1

Family Investments

1.5% Annual
management fee

£10 p/m via direct debit or £10 lump sum initial investment

+ Winner of the Moneyfacts award for the best Junior ISA Provider for 2012
+ Get up to £20 in Boots vouchers when you set up a direct debit
+ You can manage your account online

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2

Shepherds Friendly

2.5% Annual
management fee

£10 p/m via direct debit or £100 lump sum initial investment

+ Mutual Friendly Society established in 1826
+ Quick & simple online application process
+ Grandparents, friends & family can contribute
+ Free ‘Love to shop’ vouchers worth £30

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3

Scottish Friendly Junior ISA

1.5% Annual
management fee

£10 p/m via direct debit or £50 lump sum initial investment

+ Low annual management fees
+ One of the UKs leading friendly societies established in 1862
+ Managing in excess of £750million worth of funds (as at 31/12/2011) with over a million policy holders
+ Quick & simple online application process

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4

Childrens ISA Ltd

1.5% Annual
management fee

£10 p/m via direct debit or £10 lump sum initial investment

+ Your money goes into the prudential isa funds who are one of the UK’s largest, well known and trusted fund managers.
+ Hold different funds within the one account to
help reduce the level of risk.
+ One of the UK’s leading Online Junior ISA Providers

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5

JP Morgan Junior ISA

Variable (per deal)
with no annual management fee & initial fee’s

£100 lump sum
or £50 per month

+ No management & initial fee’s
+ Large, well established global investment provider
+ Wide choice of funds to invest your money into
+ Apply and manage your account easily online

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6

Child ISA

1.5% Annual
management fee

£10 p/m via direct debit or £10 lump sum initial investment

+ Experienced Children’s Investment Provider.
+ Low minimum investment requirement.
+ Choose from Adventurous, Balanced & Cautious funds.

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7

Red Rose Assurance

1.5% Annual
management fee

£10 p/m via direct debit or £10 lump sum initial investment

+ Long established mutual society
+ Invests in a mix of assets including stocks &
shares, property, gilts, bonds and cash

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8

Tax Free Junior ISA

1.5% Annual
management fee

£10 p/m via direct debit or £10 lump sum initial investment

+ Mix and match funds to reduce your level risk.
+ Sharia and Ethical Options available.

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9

The Children's ISA Ltd
Sharia / Islamic

1.6% Annual
management fee

£10 lump sum
or £10 per month

+ Fully compliant with Sharia law
+ Inline with the Islamic Investment Guidelines
+ Funds are managed by Scottish Widows

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10

The Children's ISA Ltd
Ethical

1.5% Annual
management fee

£10 per month
or £10 per month

+ Socially responsible investing
+ One of the first to market providers
- Whole investment goes into a single fund

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Investments For Children     ::     Children’s Investments     ::     Junior ISA     ::     Best Childrens Savings Accounts
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