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Investment Trust Insights
What are the Junior ISA limits and allowances?
When can my child access their JISA?
How much do I need to open a JISA?
“Even relatively small amounts can build to a sizeable sum over long periods, particularly when compound returns are taken into account”
Who can contribute to a Junior ISA?
Why should I consider investments trusts for my child’s JISA?
Junior Individual Savings Accounts (JISAs) are one of the most effective ways for parents – and other family members – to save for a child’s future. Starting to save early is key to maximising returns, but so is choosing where to invest your money. To help you get started, we answer some of the key JISA questions. We also look at why investment trusts, which are designed to help investors share in the long-term growth potential of global stock markets, are worth considering for your child’s JISA.
A JISA - like a standard ISA – is effectively a tax-efficient wrapper allowing you to invest up to £9,000 in 2024-2025, either in cash or stocks and shares. This allowance is on top of your regular ISA savings allowance (£20,000). Remember, there is no capital gains tax (CGT) to pay on investment gains, and investment within the ISA wrapper can grow in a tax-efficient environment.
Money invested in a JISA is locked away until a child’s 18th birthday, so these are ideal longer-term investment plans. For this reason, to get the most out of a Junior ISA (JISA), it’s best to start early and save on a regular basis. Not only will this help increase the value of your nest egg, it can also encourage good investment habits for both you and your child. The rewards may end up lasting a lot longer than the JISA itself.
You don’t need to have a large lump sum or be especially wealthy to open a JISA. Most providers offer regular investment plans that can be opened from as little as £25 per month. Even relatively small amounts can build to a sizeable sum over long periods, particularly when compound returns are taken into account – in other words, getting returns on your investment returns. Regular savings plans also help smooth out stock market movements, which can be particularly helpful for those investing in more adventurous sectors, such as emerging markets.
Even relatively small amounts can build to a sizeable sum over long periods, particularly when compound returns are taken into account – in other words, getting returns on your investment returns. Regular savings plans also help smooth out stock-market movements; ideal for those investing in more adventurous sectors.
Parents are not the only ones who can save into a JISA. Grandparents, godparents and family friends can all contribute, provided the total invested does not exceed £20,000 in the 2025-2026 tax year. These contributions do not affect the donor’s own ISA allowance.
If you start saving into a JISA when your child is young, you’re looking at a 15-year-plus horizon. This timescale means you could think about a more adventurous investment strategy than simply saving into cash. Investing in stock markets via investment trusts, for example, involves risks including possible loss of capital and may be more volatile over shorter time frames but has the potential to deliver higher returns over the longer term by tapping into the growth of stocks and shares.
J.P. Morgan Asset Management offers a variety of investment trusts suitable for Junior ISA investment from blue-chip UK firms, to the best of small and medium-sized British enterprise, or even a carefully curated portfolio of innovative emerging market companies.
This is a marketing communication. The views contained herein are not to be taken as advice or a recommendation to buy or sell any investment or interest thereto. Reliance upon information in this material is at the sole discretion of the reader. Any research in this document has been obtained and may have been acted upon by J.P. Morgan Asset Management for its own purpose. The results of such research are being made available as additional information and do not necessarily reflect the views of J.P. Morgan Asset Management. Any forecasts, figures, opinions, statements of financial market trends or investment techniques and strategies expressed are, unless otherwise stated, J.P. Morgan Asset Management’s own at the date of this document. They are considered to be reliable at the time of writing, may not necessarily be all inclusive and are not guaranteed as to accuracy. They may be subject to change without reference or notification to you. The value of investments and the income from them may fluctuate in accordance with market conditions and investors may not get back the full amount invested. Past performance and yield are not a reliable indicator of current and future results. There is no guarantee that any forecast made will come to pass. J.P. Morgan Asset Management is the brand name for the asset management business of JPMorgan Chase & Co. and its affiliates worldwide. To the extent permitted by applicable law, we may record telephone calls and monitor electronic communications to comply with our legal and regulatory obligations and internal policies. Personal data will be collected, stored and processed by J.P. Morgan Asset Management in accordance with our EMEA Privacy Policy www.jpmorgan.com/emea-privacy-policy. This communication is issued in Europe (excluding UK) by JPMorgan Asset Management (Europe) S.à r.l., 6 route de Trèves, L-2633 Senningerberg, Grand Duchy of Luxembourg, R.C.S. Luxembourg B27900, corporate capital EUR 10.000.000. This communication is issued in the UK by JPMorgan Asset Management (UK) Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England No. 01161446. Registered address: 25 Bank Street, Canary Wharf, London E14 5JP.
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What are the Junior ISA limits and allowances?
When can my child access their JISA?
How much do I need to open a JISA?
“Even relatively small amounts can build to a sizeable sum over long periods, particularly when compound returns are taken into account”
Who can contribute to a Junior ISA?
Why should I consider investments trusts for my child’s JISA?