{"id":23130,"date":"2025-09-04T11:54:55","date_gmt":"2025-09-04T11:54:55","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/investing-for-children-your-options\/"},"modified":"2026-05-26T18:19:58","modified_gmt":"2026-05-26T18:19:58","slug":"investing-for-children-your-options","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/investing-for-children-your-options","title":{"rendered":"Investing for children \u2013 your options"},"content":{"rendered":"\n

Investing on behalf of your children or grandchildren could have a transformative impact on their future \u2013 perhaps enabling them to graduate debt-free, get a foot onto the property ladder<\/a>, or benefit from an additional income stream. <\/p>\n\n\n\n

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Invest for your child\u2019s future today<\/h3>\n\n\n\n

From just \u00a3500, our Junior Investment ISA offers access to a range of investments chosen by our in-house experts. Open an account online in a few simple steps.<\/p>\n\n\n\n

Subscribe<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

There are several options to choose from when you\u2019re investing for children, including Junior Individual Savings Accounts (ISAs)<\/a>, junior pensions, certain types of trust and, for older children, Lifetime ISAs. The solution that\u2019s right for you will depend on your family\u2019s unique needs and circumstances. We can help you find this solution. In the meantime, the following guide sets out the key features of the main options. <\/p>\n\n\n\n

Junior ISA <\/h2>\n\n\n\n

What you need to know <\/strong><\/p>\n\n\n\n

One of the simplest ways to invest on behalf of children or grandchildren is to pay into a Junior ISA. The Junior ISA must be opened by the child\u2019s parent or legal guardian, but anyone can contribute, so long as the total contributions don\u2019t exceed \u00a39,000 per tax year.  <\/p>\n\n\n\n

Investments inside a Junior ISA are free from income tax and capital gains tax<\/a> (CGT). Once the child reaches age 18, the Junior ISA will convert to an adult ISA and the child can access the funds as they wish. <\/p>\n\n\n\n

What it means for your own tax position <\/strong><\/p>\n\n\n\n

Contributions to a Junior ISA are treated as gifts for inheritance tax<\/a> (IHT) purposes.<\/p>\n\n\n\n

Regular gifts might be classed as \u2018normal expenditure out of income\u2019 and be exempt from IHT. To qualify, the payments must be regular, form part of your normal expenditure, be made out of your income, and not affect your normal standard of living. The rules around this exemption are strict and it\u2019s important to seek advice. <\/p>\n\n\n\n

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\"Top<\/a><\/div>

A guide to investing for children<\/h3>
<\/div>\n

Everything you need to know about investing for your child or grandchild’s future.<\/p>\n\n\n\n

Download guide<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

Junior pension<\/h2>\n\n\n\n

What you need to know <\/strong><\/p>\n\n\n\n

If you\u2019re thinking longer term, investing in a junior pension could give your child or grandchild\u2019s retirement<\/a> savings a significant boost. The child won\u2019t be able to access the funds until they reach the minimum pension age. This is currently 55, but it will rise to 57 from 2028.<\/p>\n\n\n\n

A junior pension must be opened by the child\u2019s parent or legal guardian, but anyone can contribute. The maximum annual contribution into a junior pension is \u00a32,880 per tax year. Contributions benefit from 20% income tax relief, which boosts that \u00a32,880 to \u00a33,600.  <\/p>\n\n\n\n

What it means for your own tax position<\/strong> <\/p>\n\n\n\n

Contributions to a junior pension count as gifts for IHT purposes. However, the gift might fall within your annual gifting exemption of \u00a33,000 or be exempt from IHT if made from regular surplus income. <\/p>\n\n\n\n

Bare trust <\/h2>\n\n\n\n

What you need to know <\/strong><\/p>\n\n\n\n

A bare trust<\/a> is a useful option for those wishing to retain some control over how the funds are used. Investments inside the trust are held by the trustee (such as the parent or grandparent) for the benefit of the child (the beneficiary). The trustee controls access to the investments until the child reaches 18 (or 16 in Scotland), after which the child has a right to the assets.<\/p>\n\n\n\n

Unlike a Junior ISA or pension, there is no limit on the amount of money that can be invested in a bare trust each year. <\/p>\n\n\n\n

What it means for your own tax position<\/strong> <\/p>\n\n\n\n

If money or investments are put into a bare trust by grandparents (or anyone else who isn\u2019t the child\u2019s parent) the contents are taxed as if they belong to the child, which may mean there is little or no tax to pay.  <\/p>\n\n\n\n

If the contributions are made by the child\u2019s parent, and the income from the gift exceeds \u00a3100 per year, the parent will have to pay tax on all the trust\u2019s income until the child reaches 18 (16 in Scotland). <\/p>\n\n\n\n

Contributions to a bare trust are treated as gifts for IHT purposes, but may be exempt from IHT if the gift falls within your annual gifting exemption of \u00a33,000 or is paid from regular surplus income.  <\/p>\n\n\n\n

Gifts to a bare trust that are not covered by an exemption are considered \u2018potentially exempt transfers\u2019. This means that they are not liable for IHT, provided the donor survives for a further seven years (known as the seven-year rule).<\/p>\n\n\n\n

If the donor dies within seven years, any gifts above the \u00a3325,000 annual IHT threshold are liable for IHT. The amount of tax owed depends on the time elapsed between the gift being made and the donor\u2019s passing (called \u2018taper relief\u2019).<\/p>\n\n\n\n

Years between gift and death<\/strong><\/td>Rate of tax<\/strong><\/td><\/tr>
0 to 3 years<\/td>40%<\/td><\/tr>
3 to 4 years<\/td>32%<\/td><\/tr>
4 to 5 years<\/td>24%<\/td><\/tr>
5 to 6 years<\/td>16%<\/td><\/tr>
6 to 7 years<\/td>8%<\/td><\/tr>
7 or more years<\/td>0%<\/td><\/tr><\/tbody><\/table>
Source: HMRC<\/figcaption><\/figure>\n\n\n\n

Discretionary trust <\/h2>\n\n\n\n

What you need to know <\/strong><\/p>\n\n\n\n

A discretionary trust offers the opportunity for greater flexibility and control. As a donor, you can make a gift to the trust and make it clear how you would like the funds to be used. The trustees have complete discretion over how and when the funds are paid out, although they should take your wishes into consideration. <\/p>\n\n\n\n

Unlike a bare trust, there is no absolute entitlement to the funds at age 18. The trustees can decide to release the funds at a later stage, perhaps when they feel the beneficiaries are old enough to look after the investments themselves. <\/p>\n\n\n\n

What it means for your own tax position <\/strong><\/p>\n\n\n\n

Discretionary trusts are more complex than bare trusts, especially when it comes to the way they are taxed.  <\/p>\n\n\n\n

Gifts made to a discretionary trust are \u2018chargeable lifetime transfers\u2019 (CLTs). If the value of the gift, plus any other CLTs made in the previous seven years, is over your IHT nil-rate band<\/a>, the excess will be taxed at 20%. <\/p>\n\n\n\n

If the trust receives total income under \u00a3500, no income tax will need to be paid. But if total income exceeds \u00a3500, all income will be taxed at 45% (39.35% on dividend income).<\/p>\n\n\n\n

The trustees may also have to pay CGT if they sell or transfer assets on behalf of the beneficiary. When trustees pay income to a beneficiary whose marginal rate of income tax is less than 45%, the beneficiary can reclaim tax so that the tax burden is no greater than if the trust assets were their own. <\/p>\n\n\n\n

Lifetime ISA <\/h2>\n\n\n\n

What you need to know <\/strong><\/p>\n\n\n\n

For those wishing to help older children onto the property ladder, another option to consider is a Lifetime ISA. A Lifetime ISA can only be opened by the account holder (i.e., your child or grandchild) who must be between 18 and 39 years old. The maximum contribution is \u00a34,000 a year until age 50, and the government will add a 25% bonus, up to a maximum of \u00a31,000 a year.  <\/p>\n\n\n\n

The account holder can withdraw money from age 60 or to buy their first home, so long as the property is worth \u00a3450,000 or less. If withdrawals are made for any other reason, a 25% charge will apply.  <\/p>\n\n\n\n

What it means for your own tax position <\/strong><\/p>\n\n\n\n

Contributions will count as gifts for IHT purposes. However, the gift might fall within your annual gifting exemption of \u00a33,000 or be exempt from IHT if made from regular surplus income. <\/p>\n\n\n\n

Next steps<\/h2>\n\n\n\n

Junior ISAs, junior pensions, Lifetime ISAs and trusts are all tax-efficient ways of investing for your child or grandchild\u2019s future. Choosing between them isn\u2019t easy, and that\u2019s where getting some financial advice<\/a> comes in. By understanding you and what you want to achieve, we can recommend an investment solution that\u2019s right for you and your family.<\/p>\n\n\n\n

Investment option<\/strong><\/td>Age of access<\/strong><\/td>Contribution limit<\/strong><\/td>Tax treatment<\/strong><\/td><\/tr>
Junior ISA<\/strong><\/td>18<\/td>\u00a39,000 per tax year<\/td>Growth and withdrawals are tax free 
Subscriptions are gifts for IHT purposes <\/td><\/tr>
Junior pension <\/strong><\/td>Minimum pension age (currently 55 but due to rise to 57 in 2028 with further increases likely) <\/td>\u00a32,880 per tax year (net) or \u00a33,600 per tax year (gross) <\/td>Tax relief on contributions 
Subscriptions are gifts for IHT purposes<\/td><\/tr>
Bare trust <\/strong><\/td>18 (16 in Scotland) <\/td>No limit <\/td>Contributions by grandparents are taxed as if they belong to the child 
If contributions are made by the parent, and the income exceeds \u00a3100 per year, the parent pays tax on all the trust\u2019s income 
Subscriptions are gifts for IHT purposes <\/td><\/tr>
Discretionary trust<\/strong><\/td>Variable and complex <\/td>No limit <\/td>Contributions are chargeable lifetime transfers and may attract IHT at 20% 
Trustees pay income tax at up to 45%, and may also have to pay CGT 
Beneficiaries may be able to claim back income tax (depending on tax status) <\/td><\/tr>
Lifetime ISA<\/strong><\/td>60 or on purchase of first home <\/td>\u00a34,000 per tax year until age 50 (plus 25% government bonus)\u00a0<\/td>Growth and withdrawals are tax free 
Contributions are gifts for IHT purposes <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Next steps<\/h3>\n\n\n\n

It can be difficult knowing how to give money to your children in a way that\u2019s tax-efficient and can offer them the best chance of a secure financial future. That\u2019s where getting financial<\/a> and\/or tax advice can help. A wealth manager will take the time to understand your family\u2019s unique circumstances and build a plan that helps suit your needs and wishes.

Find out more from our dedicated support team by calling us on 020 7246 1111. Opening hours are Monday to Friday 9am to 5pm.<\/p>\n\n\n\n

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Get financial planning tips straight to your inbox<\/h3>\n\n\n\n

Sign up to our newsletter for expert insights on investing for the future, saving for retirement, passing on assets to the next generation, and much more.<\/p>\n\n\n\n

Subscribe<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

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The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy. Information contained in this document is believed to be reliable and accurate, but without further investigation cannot be warranted as to accuracy or completeness.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Learn about the different options for investing on behalf of children and what they mean for your own tax position<\/p>\n","protected":false},"author":97,"featured_media":11748,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[248,193],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[768,769],"rbcwm_segment":[773,792,772,776],"rbcwm_solution":[759],"rbcwm_topic":[114],"rbcwm_channel":[99,781],"rbcwm_format":[779],"class_list":["post-23130","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-family-finances","category-investing","rbcwm_need-grow","rbcwm_need-secure","rbcwm_segment-business-owners","rbcwm_segment-corporate-executives","rbcwm_segment-individuals","rbcwm_segment-international-individuals","rbcwm_solution-investments","rbcwm_topic-investing","rbcwm_channel-private-clients","rbcwm_channel-uk-individual","rbcwm_format-article"],"acf":{"rbc_ct_service":"","rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"Learn 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