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Family Investments: Junior ISA

Junior ISAs are a great way to invest in your child's future.

Save for your child’s future with a Junior ISA

Click here for our free ISA Calculator »

Junior ISAs are tax-free savings accounts for the under-18s. They allow children, as well as their parents and other relatives, to build up savings without paying tax on the interest. The amount you can place into a Junior ISA is set by the government and for the 2021/22 tax year, this amount is £9,000.

Many different banks and building societies offer Junior ISAs, so it is worth spending some time comparing the different options on offer before deciding where to invest your child’s savings.

Junior ISA Investments

Why do children pay tax on their savings?

There is a common misconception that children do not pay tax. In fact, children have exactly the same tax liability and personal allowance as adults, but most children simply do not earn enough to have to pay tax.

Junior ISAs offer a simple way to protect the interest on your children’s savings from tax, even if they later start earning enough to be liable for income tax.

Compare Junior ISA growth rates

When choosing a Junior ISA, you need to have a clear picture of exactly how much you are likely to achieve in terms of growth over the lifetime of the ISA. Our free ISA interest calculator lets you see how much interest you are likely to earn with different Junior ISAs so you can make an informed decision.

The calculator lets you select a deposit amount, interest rate and how long you want to save for and it will then work out how much growth you can expect to achieve based on those figures. This can then allow you to quickly compare results for different ISAs and deposit amounts to guide your decision.

The figures produced are an estimate only, based on the data you provide, so the actual growth you achieve may vary, but this is still an excellent tool for anyone looking to invest in a Junior ISA.

Click here for our free ISA Calculator »

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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