The graduator

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

Junior ISA

When the Government gives you tax breaks, you should take them with both hands and that applies to your children’s savings as much as your own. So if you are looking to put some money aside for your child to help with the costs of university, the deposit for a first house or simply give them a flying start, you should consider our Junior ISA.

  • The benefits of our Junior ISA

  • Tax efficient

  • Annual limit of £4,368

  • Wide range of investment options

  • Save regularly from £25 per month

  • Manage account online

  • No access until age 18

A guide to investing for children

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

Advantages of an AJ Bell Youinvest Junior ISA

Our Junior ISA can be opened online easily and allows you to choose from a wide range of investments.

Junior ISAs work in the same way as an adult ISA. The money will grow free of capital gains tax and there is no income tax to pay. Only parents or guardians can open a Junior ISA but anyone can contribute - perfect for grandparents or gifts. The current annual allowance is £4,368.

Our Junior ISAs are opened and managed online for easy management.

Is there anything I should consider when opening a Junior ISA?

The Junior ISA must be opened by a person who has parental responsibility. This person will be known as the ‘registered contact’ and be responsible for managing the account.

The money can’t be accessed by anyone until the child reaches 18. But as soon as they reach 18, they’ll have full access to the account. That means you need to make sure they understand the value of what has been saved for them. If your child is 18 or over, you may want to consider a Lifetime ISA – to help them save for their first home or later life.

You can open a Junior ISA for your child as long as they didn’t qualify for a Child Trust Fund previously, or if you intend to transfer the Child Trust Fund immediately after setting up the Junior ISA.

Invest up to £4,368 into a self-managed AJ Bell Youinvest stocks and shares Junior ISA 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 £44.2 billion in assets under administration.

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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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