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What is a Junior Investment Account?

Individual shares and unit trusts cannot normally be bought directly by a child, instead they are usually held in a designated account using an arrangement known as a Bare Trust. This might sound complicated, but in fact it is extremely easy to set up.

The HL Junior Investment Account is simply a HL Fund and Share Account, held in an adult's name but designated to the child. On receipt of your application we will send you an Election for Bare Trust form, which confirms your intention to create a Bare Trust.

The HL Junior Investment Account has no investment limits or access restrictions, as well as full access to all the normal benefits of our service.

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