A Stocks and Shares JISA (Junior ISA) is a tax-free way of building long-term savings for your children.
For the 2026/2027 financial year, every eligible child (aged 17 or under) has a tax free allowance of up to £9,000 to invest in a JISA and can do so across a cash junior ISA and a stocks and shares JISA where the account could benefit from any long-term growth that the stock market may provide. Conversely, the account would be subject to any declines of the value of the investments within it.
JISA’s (Junior ISAs) were launched in 2011 and are going strong. The JISA allows the child to receive into their account up to £9,000 annually until they reach 18 at which point their JISA becomes an ISA. JISA accounts though cannot be de-funded until the child reaches 18.
For a child born today if the full £9,000 is put away every year for 18 years, assuming a 5% growth rate, that JISA would be worth £265k by their 18th birthday. This is due to the wonderful effect of compound interest. This is certainly not to be sneezed at and worth considering as a means of providing a very a real nest egg.
Important note – tax treatment depends on the individual circumstances of each client and may be subject to change in the future. *Please bear in mind that your capital is at risk and past performance does not guarantee future share price performance.
Please complete your details below and a member of our team will be in contact.
A Stocks and Shares Junior ISA is a tax efficient account where your funds can be invested for your child into the equity markets, funds or bonds with the goal of achieving better returns than purely holding cash, however as it is tied to stock market performance the value can fall as well.
Once you have set up your account anyone can help contribute, including grandparents. Each child has a maximum allowance of £9,000 each year that you can spread across both a cash and stocks and shares junior ISA
You must be the parent or legal guardian of the child to set up the account, please call us or enter your details in the box on the right and a member of our team will contact you.
– Competitive fees
– Full investment advice
– Long term goal planning
The funds in the Junior ISA can only be accessed when your child turns 18. This allows the investments within the ISA to grow as it cannot be accessed beforehand.
Make contact with our team today to find out more!