Junior ISA.

Give your child the financial head start they deserve with our expertly managed Junior ISA (JISA). Invest up to £9,000 a year with tax-free returns until your child turns 18.

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Transfer a JISA

The image is for illustrative purposes only and is not representative of any client's portfolio.

Junior ISA.

Unlock the full potential of your wealth with a Managed Stocks & Shares ISA. Our investment experts manage and monitor your investments, giving your wealth the best chance to grow.

Get started Transfer a JISA

As with all investing, financial instruments involves inherent risks, including loss of capital, market fluctuations and liquidity risk. It is important to consider your risk tolerance and investment objectives before proceeding. To open a Moneyfarm JISA, your child must be under the age of 18. The funds cannot be withdrawn until your child turns 18. Tax treatment depends on your individual circumstances and may be subject to change in the future. If you are unsure if a Junior ISA is the right choice for you and your child, please seek financial advice.

The key benefits of a JISA.

Give your child a big financial head start

The earlier you invest, the more time you give their wealth the chance to grow.

Tax-free investing

Build their wealth tax-efficiently with a £9,000 tax-free allowance every year.

Socially responsible

Opt for a socially responsible JISA with investments that support a positive impact on society and the planet.

Gift contributions

Allow family and friends to contribute to your child's financial future.

Free transfers

Easily transfer existing Child Trust Funds or other JISAs to Moneyfarm.

The key benefits of a JISA.

Give your child a big financial head start

The earlier you invest, the more time you give their wealth the chance to grow.

Tax-free investing

Build their wealth tax-efficiently with a £9,000 tax-free allowance every year.

Socially responsible

Opt for a socially responsible JISA with investments that support a positive impact on society and the planet.

Gift contributions

Allow family and friends to contribute to your child's financial future.

Free transfers

Easily transfer existing Child Trust Funds or other JISAs to Moneyfarm.

A JISA could be right for you if…

You want to save or invest for a child’s future in a tax-efficient way

You’re comfortable with the money being locked away until the child turns 18

You want flexibility in how much you contribute, from small amounts to larger sums

You’re interested in potential higher returns through stock market investments

You want to involve family and friends in contributing to the child’s future

Get started Get started

As with all investing, your capital is at risk.

Our costs.

Amount to invest

£20,000.00

Management style

Focus

Thematic investment option

What you’ll pay

Yearly (%)

Monthly (£)

Our management fees

0.65%

£10.83

Financial instruments fees

0.31%

£5.17

Underlying fund fees

0.21%

£3.50

Market spread

0.10%

£1.67

Total estimated costs

As your wealth grows, the Moneyfarm fee can reduce to 0.35%.
More on fees

up to 0.96%

up to £16.00

You won’t pay

Entry and exit fees

Withdrawal

Top-ups

Custody fee

Lower risk

Higher risk

ESG option

How our portfolios have performed.

Explore the performance of our portfolios over time. View overall trends and the performance for specific years.

Lower risk

Higher risk

Key to the figures

Moneyfarm returns net of fees since inception (01/01/2016) vs. average peer group performance over the same time period. These past performance figures are simulated. Past performance is no indicator of future performance. The allocations shown above are based on our model portfolios at a point in time, so they’re an illustration of how your actual portfolio might look. The exact composition may differ, if the value of your portfolio falls below c. £3,000.

Moneyfarm data

The returns here are simulated using an assumed balance of £250,000, and the average management fee from our pricing model of 0.46% from 01/01/2016 to 31/10/2017 and 0.55% from 01/11/2017 to the 31/12/19. The returns are net of underlying fund costs and market spread. The returns are the total returns, so include all dividends. (Data Source: Bloomberg/xignite).

Peer Comparison Data

Asset Risk Consultants ARC collects the monthly returns of a collection of discretionary investment managers including large Asset managers, private banks and Wealth Managers to create an index of the average returns for a given level of risk.

ARC compiles indexes using the average competitor returns, including Barclays Wealth, HSBC, Investec Wealth and Investment and Blackrock, as well as many others.

Please note that ARC does not independently verify the performance of the Model submitted by Moneyfarm.

ARC benchmarks are as follows:

Private Client Index Relative: Risk to World Equities

ARC Cautious PCI: 0 – 40%

ARC Balanced Asset PCI: 40 – 60%

ARC Steady Growth PCI: 60 – 80%

ARC Equity Risk PCI: 80 – 110%

Where the relative risk to World Equities means you are taking approximately that percentage of the risk global stock markets.

Risk level 1

ARC does not produce an index that is a suitable comparison for P1, as it does not contain any equity. We use monthly GBP Libor + 0.5%, as this is a cash proxy, which Moneyfarm believes is a fair comparison.

Risk level 2

Risk level 2 is compared to the ARC Cautious Private Client Index (PCI)

Risk level 3

Risk level 3 is compared to the ARC Cautious Private Client Index (PCI)

Risk levels 4

Risk level 4 is compared to the ARC Balanced Asset Private Client Index (PCI)

Risk level 5

Risk level 5 is compared to the ARC Steady Growth Private Client Index (PCI)

Risk level 6

Risk level 6 is compared to the ARC Steady Growth Private Client Index (PCI).

On 07/10/2024 we combined two model portfolios into one with a higher equity composition, the past performance of the higher equity model is currently shown. The model became available to clients on 16/05/2019.

This performance may not be representative if you invested before the 07/10/2024.

Risk level 7

Risk level 7 is compared to the ARC Equity Risk Private Client Index (PCI).

This model portfolio only became available to clients on 07/10/2024.

**ESG Performance

Please note that performance data until August 2021 is simulated based on the actual past performance of the underlying ETFs / indices, based on the initial composition of the ESG portfolios. Data is gross of fees, tax payable and shown in GBP and/or EUR. Data provided by Bloomberg.

Past performance is not an indicator of future results.

The chart shows a projection of the future value of the portfolio based on the expected return for each risk level taking into consideration the expected volatility to calculate more and less likely scenarios. Projections are not a reliable indicator of future performance, and are intended as an aid to decision-making, not as a guarantee. The projection includes the effect of fees, assumes income is reinvested and does not take into account the effects of inflation or tax. As with all investments, the value may go down as well as up, and you may not get back the full amount you invested.

Our experts are by your side.

Our dedicated consultants can guide and support you throughout your investing journey at no extra cost.

Book appointment Book an appointment

Get started in 3 simple steps.

On your own or with help from one of our consultants.

Choose an investment solution or let our questionnaire guide you.

Discover the option best suited to your objectives and needs.

Start your investing journey with our experts by your side.

Choose an investment solution or let our questionnaire guide you.

Discover the option best suited to your objectives and needs.

Start your investing journey with our experts by your side.

Get started Get started

As with all investing, you capital is at risk.

Frequently Asked Questions.

A Junior Individual Savings Account (JISA) is a long-term, tax-free savings account for children under the age of 18. A Junior ISA is set up by a parent or guardian, but anyone can contribute money into the account. Only the child will have access to the JISA after they turn 18 years old.

The benefit of a Junior ISA is that the account holder pays no tax on interest, capital growth, or dividends on any contributions up to the Junior ISA allowance. For more information please visit:

Junior Individual Savings Accounts (ISA)

Junior ISAs for ISA managers

Yes – Moneyfarm has a minimum one-off investment of £500, which is the same as our minimum threshold for other products, and a minimum monthly contribution of £10.

As long as you’re a Moneyfarm client, and a parent or legal guardian with parental responsibility, you are eligible. In addition, your child must be both:

under 18 years of age
and a UK resident

However, if your child lives outside the UK, they can open a Junior ISA if both of the following conditions apply:

you, as the Moneyfarm client, are a Crown servant (in the UK armed forces, diplomatic service, or overseas civil service)
your child depends on you (the Moneyfarm client) for their care

As of the 2022/2023 tax year, the annual allowance, or limit, for a JISA is £9,000. Your JISA allowance resets at the start of each new tax year. The tax year ends on 5th April and your allowance, or any unused portion of it, doesn’t carry over to the next tax year, so if you don’t want to lose it, you should use it. Please note, tax treatments depend on your individual circumstances and may change in the future.

The money in a Junior ISA belongs to the child in all but exceptional circumstances. They cannot withdraw the money until they’re 18 years of age.

Moneyfarm don’t currently accept customers under the age of 18, so unfortunately we can’t onboard 16–year-olds. Your child will have to wait until they are 18 years old to become the registered contact.

Yes – you may transfer Cash JISAs, Stocks & Shares JISAs, and Child Trust Funds to Moneyfarm.

Anyone, including parents, grandparents, friends, or family can contribute on behalf of the child, so long as the total contributions don’t exceed the annual JISA limit.

Once your child turns 18, their JISA will be put on hold. All the child simply needs to do is create a Moneyfarm account, open an ISA portfolio, and get in touch with us. We’ll migrate their funds from their JISA portfolio to their very own adult ISA portfolio. While the JISA remains on hold, Moneyfarm will continue to manage, rebalance, and apply fees, however, we can’t accept any new contributions (either one-off or recurring), or make any transfers until it has been migrated to an ISA.

Junior ISA.

Junior ISA.

The key benefits of a JISA.

Give your child a big financial head start

Tax-free investing

Socially responsible

Gift contributions

Free transfers

The key benefits of a JISA.

A JISA could be right for you if…

You want to save or invest for a child’s future in a tax-efficient way

You’re comfortable with the money being locked away until the child turns 18

You want flexibility in how much you contribute, from small amounts to larger sums

You’re interested in potential higher returns through stock market investments

You want to involve family and friends in contributing to the child’s future

Our costs.

What you’ll pay

Total estimated costs

How our portfolios have performed.

Key to the figures

Our experts are by your side.

Get started in 3 simple steps.

Frequently Asked Questions.

Support

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