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Investing for children

In this section, you’ll find all the information you need about investing for children within a Junior ISA or Junior Pension on behalf of clients. You’ll also find Q&As where we answer common queries, such as who may contribute and the rules around making withdrawals.

This account allows clients to tax-efficiently save and invest on behalf of a child. Once the child reaches age 18, they can access the money in their Junior ISA (it automatically converts to an adult ISA at this point).
 

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Opening a Junior ISA

The following conditions apply when opening a Junior ISA on behalf of a client:

  • Junior ISA accounts can only be opened by someone with parental responsibility for the child (parent or legal guardian), but other family members and friends can then make contributions
  • The account will be held in the name of the child and the parent or legal guardian will be the registered contact on the account
  • The child must be under the age of 18 and a UK resident 
  • A new Junior ISA account can be opened with a £1,000 lump sum investment or from just £50 per month as part of a regular savings plan
  • The maximum amount that can be invested into a Junior ISA in the current tax year is £9,000
  • You can also transfer existing Junior ISAs held with other providers to our platform via an online application. This can be through a re-registration or cash transfer.

How to re-register a Junior ISA account is covered in this video.

How to move a Junior ISA account to us in cash (a cash transfer) is covered in this video

Further information can also be found in the Q&As below.

Frequently asked questions

How can I open a Junior ISA on behalf of a client?
What is the minimum amount that can be invested into a Junior ISA?
What is the maximum amount that can be invested into a Junior ISA?
How do you top up a Junior ISA?
Can a third party contribute into a client’s Junior ISA?
What charges are made on a Junior ISA?
Can a Junior ISA have two regular savings plans running simultaneously?
Can I transfer a client’s Junior ISA to Fidelity?
Can I transfer a client’s Junior ISA away from Fidelity?
Can a child have both a Child Trust Fund and a Junior ISA?
Can a client transfer a Child Trust Fund to Fidelity?
In which name is the account held and who receives the correspondence?
What correspondence does the client receive when an account is set up?
Can a Junior ISA be linked to a model portfolio?
What happens to any income from a stocks and shares Junior ISA?
How do I set up or amend adviser fees on a Junior ISA?
What happens to a client’s Junior ISA when they become an adult?
Will monthly contributions continue when a client’s Junior ISA becomes an adult ISA?
Can money be withdrawn early from a Junior ISA?

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