Investment Focus

Investment Focus: Gilliat Income Builder Plus

Oliver Roylance-Smith / 15 May 2012

Of all the investment themes, income is consistently at the forefront of the investor’s mind, whether you are working and need to supplement your earnings, or retired and looking to add to you... Read more

Investment Focus: Gilliat Deposit Kick Out Plan

Oliver Roylance-Smith / 15 November 2011

Finding a product that offers an attractive solution in the current economic climate is certainly a challenge. However, despite some of the most challenging conditions ever seen, we take a look at o... Read more

Investment Focus: Gilliat Deposit Kick Out Plan

Oliver Roylance-Smith / 20 September 2011

Finding a product that offers an attractive solution in the current economic climate is certainly a challenge. However, despite some of the most challenging conditions ever seen, we take a look at o... Read more

Compare and Find Junior ISA Accounts

Savings image

Junior ISAs - Tax-Free Savings for Children

On 26 October 2010, the government announced that it would introduce a Junior ISA, offering tax-free returns on savings for children. Junior ISAs were launched in November 2011.

Features of Junior ISAs include:

  • Returns in a Junior cash ISA will be tax-free
  • Eligible children can hold one cash ISA and one stocks and shares ISA at a time
  • The initial annual limit is £3,600 per tax year, with no restrictions on how this is invested
  • Funds in the account will be owned by the child it is opened for
  • Those funds will be locked in until the child reaches 18
  • There will be no government contributions toward Junior ISAs

The Junior ISA replaces Child Trust Funds, which are no longer available to children born after 2010, and will be eligible to any child under 18 who does not already hold a Child Trust Fund. 

Junior Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
3.25%No access until the child turns 18Apply Now >
  • Introductory fixed rate of 3.25% AER tax-free until 31st January 2013
  • Rate reverts to 2.10% AER variable tax-free
  • Minimum opening balance of £1
  • Transfer in from existing cash ISAs
Junior ISA Selection
ProviderJunior ISA ProviderRegular SavingsInvestment OptionsOnline ValuationsMore Info
Fidelity Junior ISAyesOver 1200 Funds from over 70 Investment CompaniesyesMore Info >
  • Invest from £500 to £3600 pa per child
  • High Quality shortlist of leading UK Funds to choose from
  • Cash Options available
  • Fidelity are a leading UK ISA provider with over £34 billion under management
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed
Alliance Trust Junior ISAyesOver 1400 Funds from over 40 UK Fund ManagersyesMore Info >
  • Invest up to £3600 a year per child
  • Winner Best Stocks and Shares ISA What Investment Awards 2007, 2008. 2009, 2010 and 2011
  • Available for children under 18, who didn't qualify for a Child Trust Fund
  • High Quality shortlist of leading UK Funds to choose from
  • Over 21,000 International equities from 21 foreign exchanges across the globe.
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed
  • Annual admimistration fee £25 + VAT
Scottish Friendly Junior ISAyesA range of assets including UK and global shares, bonds and cashyesMore Info >
  • Invest up to £3600 pa per child
  • Invest from only £10 a month, or a lump sum from just £50 or a mixture of both
  • Available for children under 16, who didn't qualify for a Child Trust Fund
  • Available for Junior cash ISA holders
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed
Shepherds Friendly Junior ISAyesA range of assets including UK and global shares, bonds and cashyesMore Info >
  • Invest up to £3600 pa per child
  • Invest from only £10 a month, or a lump sum from just £100 or a mixture of both
  • Available for children under 18, who do not already have a Child Trust Fund
  • Available for Junior cash ISA holders
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

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