Junior ISA
Invest in your child's future with a Stocks and Shares Junior ISA, designed to help give them a head start in life.
Capital at risk. Tax rules vary by individual status and may change.
Award-winning investing
What is a Junior ISA?
A Stocks and Shares Junior ISA (JISA) lets you invest for your child until they're 18, while protecting returns from UK Income and Capital Gains Tax. Open ours with £100, and start building a foundation that could help them achieve everything you know they can.
Invest up to £9,000 a year
On top of your own ISA allowance each tax year.
Pay no tax on returns
Keep more for their future fund.
Grow their wealth
Due to inflation, investing can be better than saving.
Why open a Junior ISA with us?
Personalised to you
Select the investment style and risk level that best suits your goals.
Managed by us
Our team manages your globally diversified portfolio, which you can track anytime.
Expertise built in
Get real human support, expert insights, and regular market updates.
See our industry-beating results
We're proud of everything we do for our clients – especially our results. We show our full track record, so you can see how we compare to our competitors.
See our full performancePast performance is not a reliable indicator of future performance.
A Junior ISA fit for their future
You can choose from our range of investment styles to find the right fit for your plans, and then we'll take care of the rest.
Speak to our wealth experts
Our team is here to help you feel confident you're getting the most out of investing. They'll discuss your strategy and explain which products could work best for your goals – so you can make an informed decision, every time. We can also discuss whether paid financial advice might be right for you.
Questions about anything else to do with investing? Just ask.
Book a free callIt's simple to transfer a Junior ISA to us
Do some checks first
Make sure you won’t lose any benefits or get charged unexpected fees.
Open your new JISA
Customise your new JISA to suit your preferences and personal goals.
Start your transfers
Give us your existing JISA or Child Trust Fund details and we'll get started on the admin.
What you'll pay for a Junior ISA
It's free to join us. The only fee is for our experts to manage your money, plus the cost and market spread of the funds we buy into for you. We also provide year-round free access to our insights, free financial guidance when you need it, and regular updates to investors straight from our investment desk.
Check our fees
Coming soon: our free wealth planner
Exclusively for clients who invest with us, and designed to help you make confident decisions that could bring your goals closer:
- Build a view of your total wealth
- Get tailored suggestions to see how you could progress
- Test simulated scenarios for each suggestion
- Follow your progress tracker and make adjustments
Build a clear plan for tomorrow, so you can focus on today.
Doesn't provide advice.
Financial advice tailored to you
Need a hand with planning? Our advisers offer paid advice, assessing your portfolio and goals to see where your investments could run more smoothly. You'll receive a personalised financial plan based on our products and services, along with expert recommendations for structuring your finances to enjoy a stress-free retirement, planning for your family's future, and more.
Learn more about Junior ISAs
Invest like the experts
"Junior ISAs are a great way to set your children up for the future. Even small contributions can grow over time thanks to compounding and long-term investing. Better yet? Anyone can contribute, making it a gifting option for grandparents, other relatives and family friends."
Other ways to invest
Invest for every goal with our range of products, all expertly managed by our in-house investment team.
Questions about Junior ISAs
Are there age restrictions for opening a Junior ISA?
Are there age restrictions for opening a Junior ISA?
You can open a Junior ISA with J.P. Morgan Personal Investing for your child before they turn 16, and they can access it when they reach 18.
How much can I pay into a Junior ISA?
How much can I pay into a Junior ISA?
You can contribute up to £9,000 per child each tax year up until your child turns 18. This does not count as part of your annual ISA allowance of £20,000.
Who owns the money?
Who owns the money?
Your child, except in rare circumstances. For more on this, check the HMRC website.
What happens when they turn 18?
What happens when they turn 18?
The Junior ISA automatically becomes a Stocks and Shares ISA, in their name.
Can I open more than one Junior ISA?
Can I open more than one Junior ISA?
A child can have one Cash ISA and one Stocks and Shares ISA. If you have multiple children, you can open a Cash ISA and a Stocks and Shares ISA for each of them, with a £9k annual limit applying to each child.
Can I transfer a Junior ISA?
Can I transfer a Junior ISA?
Yes, it's simple to do. Go to ‘Transfers’ in the left-hand sidebar of your dashboard, select your current provider, complete the details, and submit the request. Most providers offer electronic transfers, but if yours doesn't, you'll be able to print a form to send to them. We'll work with them to take care of the rest, and let you know when the transfer is complete – transfers usually take around three weeks.
I already have a Child Trust Fund – can I open a Junior ISA too?
I already have a Child Trust Fund – can I open a Junior ISA too?
No, if you want to open a Junior ISA for a child, you'll need to transfer in the Child Trust Fund and it will be automatically converted.
As with all investing, your capital is at risk. The value of your portfolio can go down or up and you may get back less than you invest. To open our JISA, the child must be under 16 and funds can't be withdrawn until they turn 18. Tax rules vary by individual status and may change. We provide 'restricted advice', meaning we only make investment recommendations on the products and services that we offer.