Making investing as easy as ABC...
Help a child save for their education or a first home from an early age with a stocks and shares Junior ISA providing tax free savings until their 18th birthday.
Help a child save for their education or a first home from an early age with a stocks and shares Junior ISA providing tax free savings until their 18th birthday.
With our Defensive investment option we use a low risk investment approach aimed at producing long term returns above inflation. We target investment returns above the Consumer Price Index over a rolling 5 year period.
With our Balanced investment option we use a medium risk investment approach, investing an a mix of fixed interest, property, alternatives and stocks & shares aimed at producing returns above inflation. We target investment returns above the Consumer Price Index (CPI) plus 2% p.a. over a rolling 5 year period.
With our Adventurous investment option we use a higher risk investment approach, investing mainly in stocks & shares, aimed at producing returns above inflation. We target investment returns above the Consumer Price Index (CPI) plus 4% p.a. over a rolling 5 year period.
Governed by the requirements of Shariah law and the principles of the Islamic religion…
Aiming to provide a steady income with some capital growth that outpaces inflation (CPI) over a rolling five-year period, after charges.
Designed to offer both income and capital growth, aiming to outperform inflation (CPI) by 2% over rolling five-year periods, after charges.
Focused on capital growth with some income, targeting returns that exceed inflation (CPI) by 4% over rolling ten-year periods, after charges.
A Shariah Investment is also an ethical fund, governed by the requirements of Shariah law and the principles of the Muslim religion. Shariah-compliant funds are a type of socially responsible investing. Our Shariah fund the global Islamic equity fund would appeal to an investor looking to achieve returns in line with Islamic Investment Guidelines.
Please be aware that the Shariah investment fund is Shariah-compliant, however the JISA / ISA does not operate under Shariah law.
A child’s parent or legal guardian must open the Junior stocks and shares ISA account on their behalf. You can open a Junior ISA for any UK child, as long as they are under eighteen. If your child holds a Child Trust Fund, this can easily be swapped over to a Junior ISA account.
Once the account is opened by a parent or guardian, anyone can make a subscription and contribute up to the junior ISA allowance. This counts for parents, friends and relatives. Grandparents are often the main investors into child ISAs and once they have the details they can easily and quickly pay into the account online.
With the Children’s ISA you can open an account online, from the comfort of your own home. Simply choose which account you would like from our options and fill out our application form. Handy tip: you will need both your and your child’s National Insurance number, plus home address and your bank details to hand.
Only the child named on the Junior ISA account can access the funds, and this can only be withdrawn after their eighteenth birthday. You may, however, gain access in exceptional and unfortunate circumstances, such as if you put forward a terminal illness or death.
A Junior ISA or Junior Individual Savings Account is a simple savings account for your child and unlike regular savings accounts; you are allowed to keep any interest earned without having to pay income tax on it. The Tax Free Junior ISA was brought in to replace the Child Trust Fund in 2011.
We are an independent company who believe in offering the best possible products to help you save towards your child’s future. We have linked up with Sarasin & Partners and, HSBC Asset Management to offer you excellent investment choices through a simple and flexible Junior ISA framework.
There are two types of Junior ISAs: the Junior Cash ISA and the Investment Junior ISA. A Cash Junior ISA works much like a regular savings account, while an Investment Junior ISA allows you to invest in things like fixed interest funds or stocks and shares.
At Children’s ISA, we offer a variety of investment options to suit all types of savers. Whether you prefer a low, medium, or high-risk approach, we’ve got you covered!
We also provide a Shariah-compliant investment ISA, which follows Islamic Investment Guidelines. We understand that navigating the world of finance can be overwhelming. That’s why we’ve designed our products to be as simple and straightforward as possible—so you can easily choose the best option for your child’s future.
For more details on each option, check out our Key Features Document, which you can download here.
It’s easy to transfer into one of our Junior ISAs. You can transfer your existing Junior ISA to The Children’s ISA by completing the application form and transfer request form. Which you can download here >>
Yes, Grandparents can contribute towards a Junior ISA for their grandchild / grandchildren. In fact, anyone who has an interest in the child’s financial future can pay into their Junior ISA Account as long as the annual contribution allowance is not exceeded.
Contributing to a Junior ISA will not affect your annual ISA allowance.
With a Junior ISA from the Children’s ISA, the funds can easily be managed online. Your account will enable you to see which investments your child is invested into and how they are performing.
The Junior ISA allowance for this tax year 2024/2025 and 2025/2026 is £9,000. The That means that you can put contributions into your Junior ISA up to that amount or if you have a Junior Cash ISA and a Junior Investment ISA then you can not exceed that amount for the tax year across both accounts.
The Junior ISA limit for the next tax (25/26) year will be £9,000. This means that parents and others can all save on behalf of a child as long as they don’t exceed this amount in total savings each calendar year. The tax-free savings amount is the same for a Junior Cash ISA and a Junior Investment ISA.
Opening a Junior ISA with the Children’s ISA is simple. You can do it all hassle-free and online by clicking here. Junior ISAs are a simple and easy way to invest tax-free, up to the annual limit.
Junior ISAs are a way for you to invest on behalf of your child tax-free, up to the annual limit. Once the child turns 18, any earnings in their account will be automatically rolled over into a regular ISA and can access the funds, just like a Junior Cash ISA.
No, the government does not contribute to a Junior ISA. Junior ISAs replaced Child Trust Funds in 2011.
The website and the information contained therein should not be regarded as an offer or solicitation to conduct investment business in any jurisdiction other than the UK. Past performance is not necessarily a guide to future performance and the value of your investment may fall as well as rise, and any income received in the form of dividends may fluctuate. You may not get back the full amount when the account is closed. If paying regular monthly contributions please bear in mind that if contributions are not maintained you will be less likely to achieve the investment amount that was originally projected.
The information on this website is not advice, it is provided solely to enable you to make your own investment decisions. The investments and /or investment services referred to may not be suitable for all investors.
The Children’s ISA Limited is authorised and regulated by the Financial Conduct Authority. (FCA No: 563043)
The Children’s ISA Limited is a company registered in England and Wales. Registered Company Number: 07486015
Registered Office: Unit 2, Digital Park, Pacific Way, Salford Quays, M50 1DR
