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Fidelity Junior ISA

The Very Latest Junior ISA Rates
Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Fidelity

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK, plus shares, investment trusts and exchange-traded funds. There’s also expert guidance to help with your investment decisions, which includes a selection of tools and insights from Fidelity’s experts. Capital at risk. Tax and ISA rules apply.
  • Invest From: £25 through regular savings or £1,000 lump sum

Why we like it: Fidelity has lots of investment options, plus an extensive range of guidance tools to help you decide what to invest in. Their award-winning ISA is easy to start and offers great value, their a typical service fee of just 0.35%. Other ongoing charges apply. On top of that, everything is backed by Fidelity’s 50 years of investment experience.

Important: The value of investments can go down as well as up so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

Tax treatment depends on individual circumstances and all tax rules may change in the future.

Fidelity Junior ISA

Whether you’re looking to put aside a lump sum to enable your child to get on the property ladder, or save monthly to fund the increasingly expensive cost of a university education, a junior ISA can make saving for the big things simple.

You can split your child’s annual allowance between a Junior Cash ISA and a Junior Stocks and Shares ISA or in to one of these types of accounts. You can’t have more than one account of the same type.

Fidelity offer a Junior Stocks and Shares ISA. While there are opportunities for much higher returns than with a Stocks and Shares ISA, the value of investments can go down as well as up so your child may not get back the amount you invest.

A distinct advantage of the Fidelity junior ISA is that it allows you to hold your investments in cash. This means if you're concerned about the market's prospects you can shelter your money in cash, then move it quickly and easily to investments when you believe the markets have more potential

Fidelity Junior Isa Features

Outlined below are some of the features of the Fidelity Junior ISA:

  • You can view and manage the account online, 24 hours a day their online Account Management service
  • Once set up, anyone can contribute to a child’s account at any time, up to the annual limit
  • You can start with an initial deposit of £500 or follow a £50 monthly savings plan
  • The money is invested and locked away until the child is 18. When the child is 18 it becomes their ISA and they assume full control
  • A full catalogue of investments to choose from is offered
  • You can invest up to £4,128 - this is the Junior ISA allowance for the 2017/18 tax year

The Junior ISA has to be opened on behalf of the child by a parent or guardian. Once set up, anyone can contribute to a child’s account at any time, up to the annual limit.

Useful to Know

Some useful things to know when taking out a Fidelity Junior ISA.

  • Junior ISAs are long term tax-efficient savings account for children. A Junior ISA is only available to children under the age of 18 who are resident in the UK
  • It is not possible to hold both a Junior ISA and a Child Trust Fund (CTF). If your child was born between 1 September 2002 and 2 January 2011 the Government would have automatically opened a CTF on your child's behalf
  • If your child holds a CTF they can transfer the investment into a Junior ISA. However, Fidelity does not allow for CTF transfers into a Junior ISA
  • Parents or guardians can open the Junior ISA and manage the account but the money belongs to the child and the investment is locked away until the child reaches 18 years old
  • Any contribution to a Junior ISA is deemed as a gift to the child and it cannot be returned to the contributor at a later date if the contributor subsequently changes their mind

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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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Stocks and Shares ISAs

Latest News

5 Considerations for Your Next Investment ISA

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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