The graduator

Discover your inner investor and get saving for their university fees with our first-class Junior ISA

Remember that investments go up and down in value, and you could lose money as well as make it. How you’re taxed will depend on your circumstances, and ISA and tax rules can change.

Junior ISA

As your child gets bigger, so do their expenses – from driving lessons to tuition fees to the deposit for their first home. A Junior ISA, however, can help their money grow as fast as they do. That's because, like an adult ISA, a Junior ISA is wholly tax free. And since the money is locked away until they turn 18, it has years to ride out any bumps in the road.

AJ Bell Youinvest Which
  • Why choose our Junior ISA for your child?

  • Their money grows tax free

  • Invest up to £9,000 each tax year

  • Money safely locked away until they're 18

  • Buy and sell investments from just £1.50

  • Investment ideas from our specialists if you'd like help picking your portfolio

  • Huge range of investment options if you're happy to go it alone

  • Get into the investing habit with our regular investment service

A guide to investing for children

You can give your child a head start in life with a Junior ISA or SIPP.

How does a Junior ISA work?

A Junior ISA (or individual savings account) is a tax-efficient way of saving for your child's adult life.

You can open a Junior ISA for a child if they're under 18, and you're their parent, or in a position of parental responsibility

As with an adult ISA, a Junior ISA shelters your child's investments from capital gains and income tax. You can put in up to £9,000 a year, letting you build up a tax-free nest egg for your child, who can access the money when they turn 18.

Only parents or guardians are able to open a Junior ISA, but anyone can pay into them (such as generous grandparents or friends).

Is a Junior ISA suitable for me?

The money in a Junior ISA is locked away until your child turns 18. If you think you might need earlier access, then a Junior Dealing account may be more appropriate.

Once you open a Junior ISA for your child, you become the ‘registered contact’, and are responsible for managing the account. Later, when your child turns 18, control of the account passes to them. So it’s important, for this reason, that you trust them to manage the money responsibly.

If your child also has a Child Trust Fund, you can still open a Junior ISA – but only if you immediately transfer their CTF to their Junior ISA.

Open our Junior ISA in minutes

The earlier you start saving into a Junior ISA, the better. And it couldn’t be easier to get started with our Junior ISA. You can open an account online in just minutes, and you’ve a wide range of shares, funds and other investments to choose from.

Or if you’re not sure which to pick, then have a look at our time-saving investment ideas. We've suggestions to sharpen your portfolio, and no-hassle funds that let you leave the day-to-day decisions to us.

An AJ Bell Youinvest account makes managing your portfolio easy. Watch our video to learn how


Invest up to £9,000 today

Open a Junior ISA

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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 £54.3 billion in assets under administration.


Our awards

We're proud to win Best Execution Only Broker at the 2020 ADVFN International Financial Awards.

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What our customers say about us

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 £54.3 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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