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Investment ISA for Grandchildren

The Very Latest Junior Investment ISA Ideas
Junior ISAs

Junior Stocks & Shares ISA

from Nutmeg

  • Investment Options: Invest in one of four expertly designed portfolios depending on your investment style

Why we like it: Open with a lump sum from £100 to £9,000 in the 2021/22 tax year. After initial investment top up any time with no minimum. Simple, transparent - Invest in one of a range of four expertly designed portfolios depending on your investment style. All four Nutmeg investment styles are built by experts and use exchange traded funds to diversify across stocks, bonds, industries, even countries. Choose the one that works for you. No exit fees and you’re free to make adjustments. You can see where your Junior ISA is invested and how it’s performing. Withdrawals possible from age 18. You can also transfer an existing Junior ISA or Child Trust Fund. If you need any help, financial advisers and customer support will answer any questions you have

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Junior Stocks and Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Investment Options: Invest from £25 per month or deposits of £100.

Why we like it: Invest for your child from £25 pm tax free. A wide range of top performing funds to choose from. The annual charge for holding investments in a Hargreaves Lansdown Junior ISA is never more than 0.45%. Your dealing and other charges will depend on the investments you choose.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Junior Ethical ISA

from Nutmeg

  • Invest From: £500 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors.

Why we like it: Open with a lump sum from £100 to £9,000 in the 2021/22 tax year. After initial investment top up any time with no minimum. Simple, transparent - Socially responsible portfolios are tilted towards companies and bond issuers that have high environmental, social and governance (ESG) standards. Nutmeg invest in exchange traded funds that avoid companies engaged in controversial activities while focusing on those that lead their peers on ESG.. No exit fees and you’re free to make adjustments. You can see where your Junior ISA is invested and how it’s performing. Withdrawals possible from age 18. You can also transfer an existing Junior ISA or Child Trust Fund. If you need any help Nutmeg's customer support will answer any questions you have

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Compare Junior Investment ISA's

Investing for a child, whether you are a parent or a grandparent, is an excellent way of investing in their future.  

An ISA is a way to invest tax-efficiently. You will be able to invest up to the tax allowance each year for your grandchild. The account can be opened by a parent or guardian and all proceeds are invested on behalf. If you are your grandchild's guardian, you can open one on their behalf. If you are not, you can still contribute to one opened by a parent or guardian.  

Some Popular Junior ISAs

Hargreaves Lansdown Junior ISA

Features:
  • Opening an account online takes less than five minutes, and you can start from just £25 per month or a £100 lump sum
  • You can view and manage your child’s investments online or using Hargreaves Lansdown's award-winning app, and see all of your family accounts in one place
  • Friends and family can contribute through regular or one-off payments (up to the current £4,368 limit for the 2019/20 tax year)
  • A wealth of expert investment research is available, helping you make the most of this investment in your child’s future
  • Existing Child Trust Funds can be easily transferred into Hargreaves Lansdown Junior ISAs

Fidelity Stocks and Shares Junior ISA

This account 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

Features:
  • View and manage the account online, 24 hours a day with our online Account Management service
  • Once set up, anyone can contribute to a child’s account at any time, up to the annual limit
  • 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 range of investments to choose from

There are two ISA options available for young people:

Junior Cash ISA

This is a safer option than the Stocks and Shares ISA as your capital is not a risk. However, low interest rates means your savings will have limited growth.

Once the child is 18, the child will be able to access the full amount of money.

Junior Stocks & Shares

These ISAs allow you to invest for your child. As long as the child doesn’t already hold a child trust fund, they can be opened by the child’s parent or guardian with the proceeds being invested on behalf of the child. The funds have to be invested for at least 5 years, so if your child is over 13, a Junior Stocks & Shares ISA might not be suitable.

Once the child reaches 18, the plan can be cashed in or transferred to an adult ISA, but the plan cannot be accessed or cashed in before this time.

In these plans your capital is not protected meaning there can be fluctuations in the capital value of the plan, which can vary dependent on the risk category of the funds invested in. This means that there is a risk that the plan may not be worth as much as has been paid in on maturity.

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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

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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