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|Tax free income and gains|
|Get started with as little as a £25 contribution|
|A wide range of investment options to support your child’s future|
|View the portfolio 24/7 on our easy to use and secure platform|
A stocks & shares Junior ISA (JISA) provides a way for a parent or guardian to invest up to £9,000 per year (2020/21) 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.
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 (£9,000 for 2020/21) is shared across both.
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’.