The early starter

Give your kids a head start with our range of junior accounts

Open a Junior ISA Open a Junior SIPP Open a Dealing account for a child

Investing for children

Saving for your child’s future is important to most people and whilst it is better to start early in a child’s life, it is never too late to save for their future. There are a range of accounts available with great tax benefits and anyone can contribute which makes it ideal for grandparents and birthday gifts.

Range of accounts

Choosing the right account to give your offspring the best possible start in life is vital. We offer a range of options to help you save for your children:

Junior ISA

Build a nest egg for your child – save up to £4,260 tax-free every year until they turn 18.

Junior SIPP

Give your child's pension a head start – invest up to £2,880 a year with a 20% government top-up.

Junior Dealing account

Invest as much as you like for your child and access the money while they’re still young.

Choosing the correct account

Choosing the correct one for you will depend largely on how and when you expect your child to be using the money you have saved for them. For example, are you happy for the money to be tied up until they reach retirement age or are you more concerned that they have enough money to buy their first home or pay for their university degree or perhaps you are looking to pay for school fees.

See our account comparison table to help you choose the correct account.

Regular investment service

Saving regularly is a great way to build up a nest egg for your child’s future. Our regular investment service allows you to invest from £25 a month in a wide range of funds and shares. Dealing costs are low - just £1.50 per investment purchase and instructions are set up and managed online.

Getting started

You can apply for our Junior ISA and Junior SIPP online and the application process only takes around 10 minutes. You will need to complete a form to open a Dealing account for children and send this to us.

We make investing easier

For nearly twenty years, AJ Bell Youinvest has helped people invest in the life they want to live. We’re part of AJ Bell, one of the largest investment platforms in the UK, with £44.2 billion in assets under administration.


Our award-winning accounts

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What our customers say about us

"Very user friendly website, easy to set up account(s) and easy to monitor investments. Also, plenty of helpful information to help make investment decisions."

"I am glad I opened an ISA with your company, massive range of investments & shares that you can choose from. I will definitely refer people as AJ Bell is a fantastic company who has a dedicated team that is very helpful and always willing to help, respond back to you very quickly especially if it’s an urgent matter."

"Very straightforward to set up an account online and arrange ISA transfer in to my account."

"Easy to use and excellent support when needed. Reasonable charges."

AJ Bell Youinvest reviews

We’re here to make things easier for you

Sometimes tackling your investments can seem like a real headache. That’s why we strive to do one thing here at AJ Bell Youinvest – to make investing as easy as possible for you.

AJ Bell is now one the UK's largest online investment platforms, with £44.2 billion in assets under administration.

We’ve succeeded by staying true to our beliefs, by understanding your needs as a DIY investor and by providing award-winning accounts, backed up with excellent service at a low cost.

Regulated by the Financial Conduct Authority, we take your security as seriously as you do, and have comprehensive measures in place to keep you and your money safe. You can find out more by visiting our security centre.

So whatever stage you’re at, we’re sure we can help you manage your money and your future.

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