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Junior ISA

Whatever your hopes for your child it’s likely some of them will have costs attached.

Whether you’re looking to put aside a lump sum to enable your child to get on the property ladder, or save monthly to fund the increasingly expensive cost of a university education (expected to top £43,500 for English students enrolling in 2013*), Fidelity can make saving for these as easy as child’s play.

*Source: The Telegraph, Dec 2012

Get started today by visiting our Junior ISA calculator and find out how much you should be saving each month to reach your goal.

Or follow the steps below to open a new Junior ISA by investing £500 as a lump sum or £50 in a monthly savings plan now.

The value of investments can go down as well as up so your child may not get back the amount you invest. Tax savings and eligibility to invest in a Junior ISA depend on personal circumstances. All tax rules may change in future. 

The Fidelity Junior ISA at a glance

  • 0% initial charge on every fund. Other ongoing charges apply.
  • Invest up to £3,840, the annual JISA allowance for the 2014/15 tax year. From the first of July it will be increased to £4,000.
  • View and manage your account online, 24 hours a day with our online Account Management Service.
  • The Junior ISA has to be opened on behalf of the child by a parent or guardian.
  • Once set up, anyone can contribute to a child’s account at any time, up to the annual limit.
  • The money is invested and locked away until the child is 18. When the child is 18 it becomes their ISA and they assume full control.
  • Junior ISAs are only available to UK resident children under 18 who do not have a Child Trust Fund (CTF). Please note that if your child was born between 1 September 2002 and 2 January 2011 the Government would have automatically opened a CTF on your behalf so your child will not be eligible for a Junior ISA.
  • Any contribution to a Junior ISA is a gift to the child and it cannot be returned to the contributor at a later date if the contributor subsequently changes their mind.

Fidelity only gives information about products and services and does not provide investment advice based on individual circumstances. If you are unsure of the suitability of an investment you should speak to an adviser, although different terms will apply.

Junior ISA Calculator
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