Junior Stocks and Shares 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.
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.
A Junior Stocks and Shares ISA is a tax-efficient investment account designed to help you invest for a child’s future. Instead of simply putting money aside in a Cash Junior ISA, a Junior Stocks and Shares ISA invests in a wide range of assets—giving you the potential for higher long-term growth, all under the annual tax-free allowance. By opening one on behalf of a child under 18, you’re harnessing the power of compounding to build a nest egg they can access, tax-free, at 18.
The earlier you invest, the more time you give their wealth the chance to grow.
Build their wealth tax-efficiently with a £9,000 tax-free allowance every year.
Opt for a socially responsible JISA with investments that support a positive impact on society and the planet.
Allow family and friends to contribute to your child's financial future.
Easily transfer existing Child Trust Funds or other JISAs to Moneyfarm.
Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.16% per year) and market spread effects (up to 0.05% per year).
The platform fee applies to all Wealth assets combined. VAT included where applicable.
Explore the performance of our portfolios over time. View overall trends and the performance for specific years.
Explore the full asset breakdown of our seven portfolios – from lower risk to higher risk – by asset type, sector and geography. Use the toggle to switch between Classic and ESG portfolio types.
With our Thematic Investing option, you can add growth themes to your portfolio to invest in megatrends like technological innovation, sustainability and changes in society.
Simply input how much you’re thinking of investing initially, how much you might contribute regularly, and for how long.
Amount to invest
£20,000.00
Investment product
Management style
Focus
Thematic investment option
Moneyfarm fees
(What you pay us)
Our management fees
0.45%
£7.50/month
Our platform fee
0.25%
£4.17/month
Instruments costs (Fund fees + Spread)
up to 0.21%
£3.50/month
Total estimated costs
up to 0.91%
£15.17/month
You won’t pay
Entry and exit fees
Withdrawal
Top-ups
From digital advice to one-to-one support with a Dedicated Qualified Wealth Manager, our Wealth tiers are designed to give you the right level of guidance as your investment needs grow.
Get started in 3 simple steps.
Choose an investment solution or let our questionnaire guide you.
Discover the option best suited to your objectives and needs.
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By making an investment, your capital is at risk. The value of your Moneyfarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance. The tax treatment of a Moneyfarm Stocks and Shares ISA and a Moneyfarm Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.
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The Junior ISA allowance is £9,000 per child per tax year (for 2024/25).
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.
Yes - you may transfer Cash JISAs, Stocks & Shares JISAs, and Child Trust Funds to Moneyfarm.
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.
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.
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.
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:
However, if your child lives outside the UK, they can open a Junior ISA if both of the following conditions apply:
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.
Portfolio 1 composition
Lower risk
Higher risk
Portfolio 7 performance
All time
Annual average