Account options
Junior Stocks & Shares ISA
Save for your child’s future with our tax-efficient Junior Stocks & Shares ISA and give them a financial head start. Shelter up to £9,000 per year.
Why it could be right for you
Benefits of our Junior Stocks & Shares ISA
Generous annual allowance
You can make regular contributions or invest a lump sum up to the annual £9,000 allowance with our ISA for children.
Tax efficient
You won’t pay capital gains tax on any profits and there’s no income tax to pay on dividends from shares or the income earned on bonds.
Flexible drawdown
Once your child reaches 18 the account matures and rolls into an adult ISA and they can access the money.
Make their savings work harder
Inflation can erode the spending power of cash over time. A Junior Stocks & Shares ISA gives your money more chance to beat inflation over the longer term.
Tax Year End Deadline
2024/25 Tax Year ends at midnight on April 5th
Don't miss out
Make sure you understand the exemptions and allowances available to you, so you don’t miss out. Tax years run from April 6 to April 5 and in most cases if you don’t use the various allowances before the end of the tax year they are lost forever.
Our Junior Stocks & Shares ISA is ideal for
Investing for your children or grandchildren
A Junior Stocks & Shares ISA is a great way for parents and grandparents to invest money for their children or grandchildren, which cannot be accessed until they turn 18.
Transferring Junior ISAs
You can easily transfer and consolidate existing Junior Cash ISAs or Child Trust Funds held with other providers into our Junior Stocks & Shares ISA.
Investment flexibility and choice
You can invest a Junior ISA in a wide range of assets in order to take advantage of global investment opportunities and maximise growth.
How would you like to manage your investments?
We have a wide range of investment services, offering you the flexibility to be as involved as much or as little as your like.
Online Investing
Invest in your future. Use our first-class service to carry out your investment decisions, through our secure platform and app.
Personal Portfolio Service
The straightforward way to access our investment expertise. We’ve designed a range of funds to suit different types of investors – from the most cautious to the more adventurous.
Advisory Investment Service
Get support from our experts when choosing your investments with our Advisory Investment Service.
Bespoke Investment Service
Entrust a dedicated expert to make investment decisions on your behalf. We’ll monitor and adjust your portfolio to make sure you don’t miss out on appropriate opportunities or are exposed to unnecessary risks.
Frequently asked questions
What is the Junior ISA allowance?
The allowance for the current tax year is £9,000.
Can I withdraw money from a JISA?
Money and investments held in a Junior ISA belong to the child. Therefore, only your child can access the money. and only when they are 18. At this time the JISA automatically converts into our flexible ISA.
Who can open a JISA for a child?
The parent or legal guardian of a child under the age of 18 and UK resident can open our JISA. The account will change automatically into an adult Stocks & Shares ISA in their name once they turn 18.
What is a Child Trust Fund?
Child Trust Funds (CTFs) were introduced to encourage children to save money later in life, building on an initial contribution made by the government. These tax-efficient accounts have now been replaced by Junior ISAs, but you can still continue to pay into a Child Trust Fund – or you can easily transfer one to a JISA.
Can I transfer a Child Trust Fund into a Junior ISA?
Yes, you can transfer your Child Trust Fund into a Junior ISA. If your child has a Child Trust Fund you will need to transfer all money and investments in this to your Charles Stanley Junior ISA before making new subscriptions with us.
Can Grandparents and family members pay into a Junior ISA?
Yes, grandparents, relatives or family friends can contribute to a JISA.
Who makes the investment decisions and runs the Junior ISA?
The parent or guardian is responsible for the management of the JISA and can make investment decisions, but the investments belong to the child.
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