Invest smart so your little ones can dream big!
Investing gives you the chance to grow their savings, but there’s a risk that the value of their investment could go down as well as up.
What is a Stocks and Shares Junior ISA?
A Stocks and Shares Junior ISA allows parents to save towards a child's future, by investing in stocks, shares and other assets. Save up to £9,000 each tax year, free from UK tax.
Family and friends can also contribute, making a great gift for special occasions. The money is locked away until they turn 18, when it will automatically roll into an adult ISA.
A Stocks and Shares Junior ISA with Foresters allows you to invest for better potential growth over the medium to long-term, helping to provide a head start for them as they reach adulthood.
With our investment experts at Schroders making investment decisions for you, low starting contributions, financial advice at no extra cost and 24/7 online account management.
If you are looking to save towards your child's future then our Stocks and Shares Junior ISA might be right for you.
Want to see how much the Junior ISA could grow at age 18? Check out our Junior ISA calculator.
To get started, choose a Junior ISA
Stocks and Shares Junior ISA
Save for your child's future with a choice of funds
- Choose to invest in our straightforward stakeholder fund and/or sustainable-focused fund.
- Invest over the medium to long-term in a professionally managed fund by Schroders.
- Annual Management Charge of 1.5%, reducing to 1% after 10 years.
- Exclusive member benefits when your child turns 18.
Risk rating: Medium-low
View more information about our Stocks and Shares Junior ISA.
Product informationStocks and Shares Shariah Junior ISA
Save towards your child's future inline with Islamic beliefs
- An appointed Shariah Supervisory board and Shariah Adviser (Amanie Advisors Ltd) to make sure the investment are Shariah compliant.
- Invest over the medium to long-term in a professionally managed fund by Schroders.
- Annual Management Charge of 1.5%, reducing to 1% after 10 years.
- Exclusive member benefits when your child turns 18.
Risk rating: Medium
View more information about our Stocks and Shares Shariah Junior ISA.
The money in this Junior ISA is invested in stocks and shares. This gives good potential for the money to grow over the long-term, but there is a risk that value could go down as well as up. There is the chance your child could get back less than has been contributed. The money can only be access by the child once they turn 18'. Gifts cannot be reclaimed and combined amounts cannot exceed the contribution limit of £9,000. Tax treatment depends on individual circumstances.
1.5% - 1%
Annual Management Charge
1.5% reducing to 1% after 10 years
0%
Transfer or contributions fees
Including entry and exit fees
£10
Minimum monthly contributions
Or £20 for single payments
Why invest with Foresters?
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Our customers and members rate us 4.7 out of 5 for our service
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2.4m customers in the UK, US, and Canada, with £5.6bn UK FUM
Established
Managing family finances and making a positive impact for over 150 years
We go the extra mile
Financial Advisers, expert investment managers, and UK customer services
Get rewards by becoming a Foresters member
If you open a Junior ISA with us your child will become a member once they turn 18, and will have access to a range of exclusive benefits at no cost.
Member benefits are not regulated by the PRA or the FCA and may change in the future.
Want to discuss your savings options?
Foresters provides a personal financial planning service by video call or in the comfort of your home. To help meet yours and your family’s current and future financial needs, at no extra cost.
Transfer your Junior ISA to Foresters
Transfer to our Junior ISA
We accept transfers from Stocks and Shares and Cash Junior ISAs or Child Trust Funds from other providers.
Transfer to our Shariah Junior ISA
We accept transfers from Stocks and Shares and Cash Junior ISAs or Child Trust Funds from other providers.
Want to transfer your own ISA savings to us too?
Matured Junior ISA
Turned 18 and want to know more about your Junior ISA? At age 18 your Junior ISA will automatically roll into an adult ISA, so you can continue to save towards your future goals.
Stocks and Shares Junior ISA FAQs
A parent or legal guardian of a child can open a Junior ISA. A child aged 16 or over can also open their own Junior ISA (as long as they do not have a Child Trust Fund). The person who opens the Junior ISA is a called the Registered Contact, and there can only be one Registered Contact.
A child must be below age 18 to have a Junior ISA.
A child must be below age 18 to have a Junior ISA.
Start saving from as little as £10 a month up to £9,000 this tax year. Family and friends can contribute too.
Make a gift to a child’s Plan
Make a gift to a child’s Plan
We have no hidden charges. Our Junior ISA only has a 1.5% annual management charge reducing to 1% after 10 years, with no other charges.
You can transfer an existing Junior ISA or Child Trust Fund into a Junior ISA with Foresters online or with a Financial Adviser. We don’t charge entry, exit or transfer fees.
No one can access the money in a Junior ISA, besides the child once they reach their 18th birthday. The money is locked away until then and cannot be accessed by parents. Gifts cannot be reclaimed and all contributions combined cannot exceed the annual contribution limit.
Only in certain circumstances may a withdrawal be made, such as child's death or terminal illness.
No, if your child’s currently has a Child Trust Fund and would like to have a Junior ISA instead, you will need to transfer the CTF to a Junior ISA.
Investing in stocks and shares provides better potential for growth than cash in the long-term. In every 10-year time period, over the last 113 years, the probability of stocks and shares outperforming cash was 91% (Barclays Equity Gilt Study 2022).
A Junior ISA can only be opened by someone with legal parental responsibility. However grandparents can contribute to Junior ISAs for grandchildren.
Our Junior ISA is protected by the Financial Services Compensation Scheme (FSCS) which means that in the unlikely event that we cannot meet our obligations you will be able to make a claim for the full value of the Junior ISA from the FSCS.
To make a transfer to another Junior ISA provider, you will need to contact your new provider first so they can start the transfer process. Before submitting the transfer request to your new provider, please ensure your personal details with us are up to date, as the information you provide will need to match with your new provider. You can check the account details and update if necessary online with MyPlans or by contacting Customer Services.
We do not charge for any transfers.
Supporting you at every step
Contact us
We are here to help with any queries about your Plan, our service, products or anything you want to know about Foresters Financial.
Seek advice
We aim to help everyday families achieve their financial goals. If you are experiencing financial difficulties, explore our list of useful resources.
Learn the Junior ISA basics
Ready to start saving for your child's future but not sure where to begin? Take control of your family's finances with our helpful Junior ISA article.
About member Benefits
Description of member benefits that you may receive assumes you are a Foresters member. Members must be 18 years of age or older and must have an active Foresters Plan and maintain it in good standing. Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice. Member benefits are not regulated by the Prudential Regulation Authority or the Financial Conduct Authority and may change in the future.