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.
The 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 for each child or grandchild.
Tax efficient
You won’t pay capital gains tax on any profits and there’s no tax on dividends from shares or the income earned on bonds.
Flexible
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
With savings rates so low you could see your money eroded by inflation. A Junior Stocks & Shares ISA will give your money the chance to grow faster than inflation.
Our Junior Stocks & Shares ISA is ideal for
Investing in a Junior Stocks & Shares ISA is one of the most straightforward ways to save for the next generation in a tax-efficient way. Here are some other reasons:
You want to invest 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.
You’d like to consolidate several existing 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.
You’d like 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.
What is a Junior ISA?
Junior ISAs (or JISAs) are a popular way for family and friends to build up tax-efficient savings or investments for a child.
The tax benefits are the same as an adult ISA, with no capital gains or income tax, but withdrawals are only possible from the age of 18 when it automatically converts to an adult ISA, meaning the pot can be useful to help with the cost of university or a deposit for a house.
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How would you like to manage their 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.
Direct Investment Service
I would like to manage my own investments
Invest with confidence using our first-class service to implement your investment decisions, through our secure platform and app.
- You will have access to our platform and dealers to make your investment decisions.
- You can construct your investment portfolio from a wide range of investments, from stocks & shares, funds, ETFs and more.
- Our low service fee is a maximum 0.35%, with savings available through our loyalty programme.
- No minimum investment.
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Foundation Portfolio Service
I would like an expertly managed portfolio, in a cost-effective way
Straightforward way to access our investment expertise. We'll help you invest in one of our funds to suited to your needs.
- Access to our advice desk whenever you want to contact us by phone or email (please note that our advice is restricted).
- A range of five actively managed funds, and we’ll guide you to the one that most closely matches your investment objectives and risk appetite.
- Annual review to ensure we’re managing your money in the most suitable investment strategy.
- Minimum investment £20,000.
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Bespoke Investment Service
I would like a professional to manage my investments for me
Entrust a dedicated expert to make investment decisions on your behalf.
- You’ll have direct contact with your investment manager, speaking directly to the person responsible for your portfolio.
- We’ll construct a portfolio based on your personal circumstances, investment objectives and risk appetite.
- We can accommodate your investment preferences, such as responsible and ESG investing; also allowing you to hold your cherished holdings.
- Minimum investment £200,000.
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Frequently asked questions
Charles Stanley is not a tax adviser. Information contained within this page is based on our understanding of current HMRC legislation. Tax reliefs and allowances are those currently applying and the levels and bases of taxation can change. Tax treatment depends on the individual circumstances of each person or entity and may be subject to change in the future. If you are in any doubt, you should seek professional tax advice.
Other account options
Choose from our range of accounts, to ensure you make the most of your tax allowances or exemptions, whilst making sure you can access your money when you need it.
Account options
Stocks & Shares ISA
Make your savings work harder with our flexible ISA. Shelter up to £20,000 per tax year.
Account options
Investment Account
Start investing today with a wide range of funds and shares or transfer and consolidate any existing holdings.
Account options
Self-Invested Personal Pension
Create more opportunities for your retirement by saving more within a SIPP. Pay in up to £40,000 per tax year and get tax relief.
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