Children's saving accounts and investing for your family

Financial Planning


Every parent or grandparent wants to ensure they give their children the best possible start in life.
If you are simply looking for somewhere to store your cash savings over the short term, then this isn’t the right option for you. But, if you are looking to build your family’s savings over the long term, whether that’s to pay for university fees, or to help your children onto the property ladder, investing in a children’s savings account, like a Junior ISA, can be a great way to kick start their savings.

By harnessing the power of saving and investing one pound (and reaping the benefits of compounding), you can give their savings a real chance to grow. Whether you have a specific goal in mind or this forms part of a wider financial plan, we can help you to create a savings and investment plan that meets your ambitions.


Junior ISA

With a contribution limit of £9,000 (for the 2021/22 tax year), the Junior ISA provides all of the tax benefits of a standard ISA, with the additional comfort that they can’t take full control of the money until they are 18.

Junior Pension

Another option is the Junior Self-Invested Personal Pension (SIPP) which, as with a traditional SIPP, receives basic rate tax relief of 20% on any contributions up to the annual allowance of £3,600 (for the 2021/22 tax year). The funds are not available until the child’s normal retirement age (currently 55 but expected to increase to 57) but can be a fantastic option to kick-start pension savings.

You can read more about the options available to you in our “How To Save and Invest for you Family” Guide below.

Get in touch

Should you like to open a JISA, Junior SIPP or Bare Trust, or would simply like to find out more about these alternative children’s savings accounts, please contact us below via:

Saving and Investing for Your Family guide

Download our How to Save and Invest for your Family Guide to learn more about getting started on the road to successfully planning for, and managing, the financial challenges that come with raising a family.
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