Personal Business COVID-19 Menu Log in Search Investments Wealthify Junior ISA Invest today for their tomorrow Take a look What is it? What you'll pay Wealthify benefits Right for you? Contact us We’ve partnered with Wealthify to support your child’s financial future Wealthify’s Junior Stocks & Shares ISA (JISA) is a simple way to plan for your child’s financial future even if you have no investment experience. University fees, their first car or starting on the property ladder. Whatever you want to help your children with in the future, Wealthify’s JISA is a great place to start. Affordable investing Start with a lump sum or whatever you can afford, starting from £1 You're in control Investment styles range from Cautious to Adventurous – and you can choose an Ethical plan if that matches your values Simple transfer Move an existing Child Trust Fund or JISA into a Wealthify JISA Remember, investments rise and fall in value. You could get back less than you put in. What is a Junior ISA? Do you want to give your child a head start in life when they turn 18? Then the Junior Individual Savings Account – or JISA – could be what you’re looking for. You’ll pay no income or capital gains tax on any returns you earn. It’s a highly tax-efficient way to put money away for your loved ones. You can open an account today so long as you’re the parent or legal guardian. And your child gets access to the money as soon as they turn 18. How could your child's money grow? It’s simple. Your JISA money goes into funds that track the performance of companies around the world. When they do well, your money goes up, like any other investment. Of course, all investments rise and fall in value. While they trend towards a profit in the long-term, you could lose money in the short term and get back less than you put in. That’s why we encourage you to hold your JISA for a minimum of five years. This gives your child the best chance to collect tax-efficient profits when they turn 18. Make sure you take advantage of your £9,000 JISA allowance for the 2021/22 tax year while you can. The sooner you pay in, the sooner you could see a return on your money. Why invest with a Wealthify Junior ISA? If you want to invest for your child's future, but aren’t sure where to start, our Wealthify Junior ISA could be the answer. You're in control Simply choose the investment style that suits you best, from Cautious to Adventurous. And you can put your money into both Original and Ethical plans as you see fit. Simple transfer We’ll help you move your money from an existing Child Trust Fund or JISA into a Wealthify JISA as long as you're the registered contact for the account. All you need to be is the registered contact for the account. Affordable investing Top up as much or as little as you like, when you like. You can invest lump sums or regular monthly amounts up to the annual Junior ISA allowance limit of £9,000 for the 2021/22 tax year. Managed for you Your money is looked after by Wealthify’s investment managers who monitor your plan and decide where to invest your money. So you don’t need to be an expert to get started. What will you pay? You work hard for your money and don't want to spend a fortune on costs. So with Wealthify, you only pay one simple fee. While your total investment values will fluctuate month to month, here's an example of what your first month's charge could be if you invested £750. The first month’s charge would be only £0.48: Wealthify fee 0.6% £0.38 Original plan average investment costs 0.16% £0.10 Just £0.48 - less than the price of a chocolate bar. By the way, average investment costs for Ethical plans are 0.56%. You can log into your account any time to check up on your exact charge. How it works You can open a Wealthify Junior ISA if you’re the parent or guardian of a child under the age of 18. 1 Open Set a risk level from ‘Cautious’ to ‘Adventurous’ and choose either an Ethical to Original plan so your investments fit with your values. 2 Invest Start from £1, topping up as much and as often as you want up to the annual limit of £9,000. 3 Give Ownership of your JISA transfers to your child when they turn 18, ready for the next stage of their financial future. Am I eligible? You can open a new Junior ISA on behalf of a child if: Your child lives in the UK You're the child's parent or guardian You transfer any money in an existing Junior Stocks and Shares ISA or Child Trust Fund into your new Wealthify JISA Start investing today Try out Wealthify’s Build a Plan feature and see how your money could perform over time. Open a JISA Transfer an existing JISA or CTF Looking for something else? There's more than one way to make your money work harder. Here are a few other ways you can do it with us. Aviva Stocks & Shares ISA You can invest up to £20,000 tax-free in the 2021/22 tax year in a stocks and shares ISA. Make changes or take out money whenever you need without notice or penalties. Explore Aviva Stocks & Shares ISA Aviva Investment Account When you want to invest beyond your ISA limit, you could choose our professionally managed funds, starting with a lump sum or by making monthly payments. See our Aviva Investment Account Wealthify Set your risk level and let the experts at our partner Wealthify do all the hard work for you. Explore Wealthify Learn more about savings and investments Not sure if you should save or invest? Our educational articles and videos will help you learn more. Top up your knowledge Keen to open your first savings account, understand investment risk or learn all about ISAs and ethical funds? Our saving and investment articles can help beginners and keen investors understand how to manage their money. Explore our videos and guides Contact us Still need some help? Give Wealthify a call 0800 802 1800 Monday to Friday: 8:00am - 6:30pm Saturday: 9:00am - 12:30pm For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free. Your investments This is not a personal recommendation. If you need a personalised recommendation based on your personal circumstances, you should seek financial advice. Your money will be invested in low-cost funds carefully selected by Wealthify, each containing a diverse range of investments such as stocks, bonds and property. Fund provider fees are between 0.12% and 0.17% a year for the Original portfolios, or between 0.29% and 0.86% a year for Ethical portfolios. Your privacy If you click through to Wealthify, we’ll share some of your personal information with them so that you can receive the offer and to help fill out any forms in case you want to apply. To see how we take care of your data, visit here. For information on how Wealthify process your data, check their website. Wealthify and Aviva Wealthify is part of the Aviva group of companies and is authorised and regulated by the Financial Conduct Authority. Aviva UK Digital Limited acts as an introducer to Wealthify Limited for ISA and General Investment Accounts. The underlying investment management services are provided by Wealthify Limited, not Aviva UK Digital Limited. Aviva UK Digital Limited is registered in England No. 09766150. Registered office: St Helen’s, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 728985. Aviva UK Digital Limited and Wealthify Limited are subsidiaries of Aviva Group Holdings Limited. Wealthify and you This offer is being made to you without regard to your specific investment objectives, financial situation or particular needs and therefore this offer doesn’t imply that Wealthify is suitable for you, and isn’t a personal recommendation of any kind. If you’re unsure about investing and need advice, have a chat with our Advice Support Team who will put you in touch with a financial adviser. 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