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Stocks & shares Junior ISA

Help your child achieve their goals. Save up to £4,368 tax-free with a stocks & shares Junior ISA and easily manage the investments online

Choose a Junior ISA Transfer a Junior ISA

Why choose a
Willis Owen JISA?

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Tax free income and gains
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Get started with as little as a £25 contribution
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A wide range of investment options to support your child’s future
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View the portfolio 24/7 on our easy to use and secure platform

What is a Junior ISA?

A stocks & shares Junior ISA (JISA) provides a way for a parent or guardian to invest up to £4,368 per year (2019/20) for their child. It is a tax free way to put something aside for university, save for their first car or just help them achieve their goals. There’s no income or capital gains tax to pay on any money the investments make and you can choose from a wide range of funds, shares, investment trusts and exchange traded funds.

Once you open a JISA for your child, you become the ‘registered contact’, and are responsible for managing the account. When your child reaches 18, the account automatically passes to them at which point they can start to take money out if they want to. Our JISA isn’t available for children who have a Child Trust Fund (CTF) account.

How much can you invest?

You can start investing from as little as £25, either as a lump sum or regularly. There's a limit on how much money can be paid into JISAs for a child during a tax year. A child can have a maximum of one cash JISA and one stocks & shares JISA at any point and the annual limit (£4,368 for 2019/20) is shared across both.

Is a Junior ISA right for you and your child?

Right for you if:
You’re a parent or guardian who wants to invest for a child under 18
You want tax-free income and capital gains
You’re happy that the child will take over and have access from 18
Wrong for you if:
You’re uncomfortable with any market volatility
You want to be able to access the money before the child reaches 18
Your child has a Child Trust Fund account or a stocks & shares JISA which you don’t want to transfer.

Fees explained

When investing you will pay a Willis Owen service fee as well as investment charges. If you invest in more specialist things like shares, investment trusts and exchange traded funds, you may also pay trade fees and government levies. Further details of all costs and charges can be found below and include VAT where applicable.

You can get an idea of how much you might pay in fees by using the ‘Charges estimator’.

Why choose a
Willis Owen JISA?

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Tax free income and gains
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Get started with as little as a £25 contribution
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A wide range of investment options to support your child’s future
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View the portfolio 24/7 on our easy to use and secure platform

We don’t provide advice as to whether an investment is suitable for you. Before investing you should make sure you understand the risks involved and, if you’re unsure, seek expert financial advice.

Past performance of an investment is not a guide to future performance, the value of investments or income from them may go down as well as up and you may get back less than you originally invested. Tax treatment depends on your individual circumstances and may change.

Connect with us

Have a question?

Call 0800 597 2525

Willis Owen Limited is authorised and regulated by the Financial Conduct Authority and is registered in England (No.3283706) at Ground Floor, 507 (Unit 2), Centennial Business Park, Elstree, WD6 3FG. The information and content of this site is intended for UK consumers.

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