Cookies and related technologies on this site We use cookies to analyse how visitors use our website and help us provide the best possible experience for users. Please choose whether this site may use cookies or related technologies such as web beacons, pixel tags, and Flash objects ('Cookies') as described below by managing your settings and reading our privacy policy. Your choices on this site will be applied globally. You can change your mind and revisit your preferences at any time by accessing the 'Cookie Preferences' link in the footer of this site. MANAGE SETTINGS ACCEPT ALL Find your adviser Careers Partner area News & Insights Help & support Contact Client sign in & information Search Products & Services Our Charges Fund Prices Join our Partnership About Us Shareholders Home/Products & Services/Investment/Junior ISAs Junior ISAs Junior ISAs are a great way to put money away for a child’s future. The tax advantages and flexibility they provide make them the first option for most savers. Any returns are free from Income Tax and Capital Gains Tax. Savers can typically make regular or one-off payments up to the current annual limit. Money held in a Junior ISA is locked in until the child reaches 18, after which it can be converted into an adult ISA and continue to enjoy the same tax advantages. The annual allowance can be invested in stocks and shares, deposited in cash, or split between the two options. But it’s important to bear in mind that money invested for a young child has got the potential to grow over many years. Although it increases the amount of risk involved, there is a greater chance that a stocks and shares Junior ISA will provide better returns than a cash alternative by the time they reach adulthood. Client sign in Careers St. James’s Place Academy The St. James’s Place Charitable Foundation St. James’s Place Asia Partner help Contact us Media centre Find your adviser Our locations Stay in touch – sign up to our emails Follow us Site map Legal information Privacy policy Modern slavery statement Copyright St. James’s Place © 2021