Important: the value of tax savings depends on individual circumstances and tax rules can change over time. Investments can go down in value as well as up, so a child could get back less than invested. A Junior SIPP is a type of pension for people happy to make their own investment decisions, and is not accessible until age 55 which is likely to rise by the time a child reaches retirement. If you are unsure if an investment is right for you or your grandchild, please seek advice.
Why invest in a Junior ISA?
Junior ISAs are a popular way for family and friends to invest in a child's future, building up savings and investments tax-efficiently to help with the costs they could face later in life.
Invest up to £4,080 per child per tax year - free from UK income tax and capital gains tax.
Anybody can contribute - friends and family can add money to the Junior ISA without affecting their own allowances.
Money in a Junior Stocks & Shares ISA is ring-fenced until the child's 18th birthday, so there's plenty of time to maximise growth if you start early.
Junior ISAs can be a great way to encourage good saving habits from a young age.
Why choose Hargreaves Lansdown?
Our Junior Stocks & Shares ISA is one of the most popular on the market. You could benefit from:
An easy-to-manage account
Access your child's account online or through our award-winning mobile app. You can even link a Junior ISA to your own account and view all your family investments in one place.
Help getting started Our experts have put together a ready-made portfolio for Junior ISAs as well as a selection of their favourite funds to help you choose your child's investments. See our Junior ISA investment ideas.
Flexibility to invest how you choose Save from £25 per month or lump sums from £100 - find out how much your child's investments could be worth with our Junior ISA calculator.