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Where are HL staff investing their children's Junior ISAs?

With the 5 April tax year end ISA deadline just around the corner, we speak to HL colleagues to find out where they’re investing their children’s Junior ISAs.
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Important information - This article isn’t personal advice. If you’re not sure whether an investment is right for you please seek advice. If you choose to invest the value of your investment will rise and fall, so you could get back less than you put in.

This tax year ends 5 April. That means you’ve still got a few weeks to make the most of this year’s £9,000 Junior ISA allowance.

With the deadline approaching, here’s where some of our HL colleagues are investing their own children’s Junior ISAs.

It’s always interesting to see what others are getting up to. But please don’t consider these as investment ideas, or personal recommendations. None of this is personal advice. All investments can rise and fall in value, so you could get back less than you invest. If you’re not sure what’s right for you or your child, ask for financial advice.

Invest up to £9,000

this tax year

None of these HL colleagues are investment experts. They don’t work in our professional research teams.

Maike Currie, Head of Content, Marketing team

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Maike Currie’s daughters enjoying some ice cream in the sun.
Credit: Maike Currie

“Investing for two children, and managing this fairly, can often leave parents facing a number of challenges. Do you pick the same investments for both children? How do you make up for the shortfall one child may face due to their market timing not being as favourable as the other?

Ultimately, it comes down to personal preference.

I’ve chosen different investments for my two children, while ensuring both are well diversified across different regions and asset classes.

The oldest holds the Rathbone Global Opportunities Fund, a Wealth Shortlist fund, managed by seasoned investor James Thomson among her holdings. While the youngest has a slice in the Fidelity Index World Fund, another Wealth Shortlist fund, with diversification across different regions and the competitive price tag of a tracker fund.

I hope that holding different investments will make for some interesting discussions, and healthy investment-related sibling rivalry, when they’re older.

The most important bit? It gets the whole family talking about investing.”

Tom Nall, Head of Investment, Proposition team

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Tom Nall and family getting ready for a road trip.
Credit: Tom Nall

This year we’re trying to give our children an appreciation of the ‘8th wonder of the world’ – compound investment returns. As they’re only four and six years-old, the beauty is we have time on our side!

They have Junior ISAs with a monthly direct debit into an HL Ready-Made Investment, the HL Adventurous Managed fund. We wanted something simple, with the comfort of experts managing our money through all the changes global politics throw at us.

It’s great to show them how their Junior ISA is doing on the HL mobile app, and see the next monthly update. Our next lesson is ‘deferred gratification’…”

Ryan Kenny, Retirement and Advice Manager, Marketing team

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Ryan Kenny's daughter out exploring in the fields.
Credit: Ryan Kenny

I have a Junior ISA for my daughter.

We save into it each month, as does her great grandad. Although it’s a small amount, with nearly an 18-year time horizon, I know it has the potential to grow into a good nest egg for her.

She has enough toys and books that have been passed to us from friends and relatives, so I often ask for birthday donations to her JISA instead. As she has plenty of time to ride the ups and downs of investing, I’ve chosen a global equity fund which is very growth focused.

When she turns 18, the choice will be hers about what to do with it. But I’m hoping she’ll continue investing and eventually use it for something sensible, like a deposit for a first flat, or towards higher education costs – if that’s the path she wants to take.”

Looking for expert investment ideas?

For expert investment ideas for your children, explore our research team’s latest Junior ISA investment inspiration.

Keep it in the (HL ISA) family

Junior ISAs are great for the kids. If you already have an HL account, you can link them to yours – so you can see everything under one log in.

For those of us who have outgrown our school uniforms, there’s plenty of ISA choice this tax year. You can pick from a Stocks and Shares ISA, Cash ISA, Lifetime ISA, or mix and match to suit you.

The kids go free

Enjoy better value family investing with the HL Junior ISA.

Last year we removed our JISA account charges, so that more of what you pay in will benefit your child. Depending on the investments you pick, other charges could still apply.

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Written by
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Chris Hill
Investment Writer

Chris writes on topics about ISAs and personal finance, as well as working to improve our website for our clients. He's passionate about current affairs and helping make investing accessible to those who are just starting out.

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Article history
Published: 14th March 2024