{"id":23286,"date":"2023-04-06T09:08:00","date_gmt":"2023-04-06T09:08:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-save-for-your-child-with-a-junior-isa\/"},"modified":"2026-06-26T14:57:29","modified_gmt":"2026-06-26T14:57:29","slug":"how-save-for-your-child-with-a-junior-isa","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-save-for-your-child-with-a-junior-isa","title":{"rendered":"How to save for your child with a Junior ISA"},"content":{"rendered":"\n

Saving and investing money on behalf of children or grandchildren could make a big difference to their future, helping them to pay for university or even put down a deposit on their first home. <\/p>\n\n\n\n

With a new tax year upon us, there is no better time to ensure you\u2019re investing<\/a> as tax efficiently as possible for your children. <\/p>\n\n\n\n

A simple and tax-efficient way to save money for children is to invest through a Junior Individual Savings Account (ISA). If you begin early, your child or grandchild could have a substantial sum of money by the time they turn 18, giving them an important financial leg up as they enter adulthood.\u00a0<\/p>\n\n\n\n\n\n\n\n\n
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Download: A guide to tax-efficient investing<\/h5>\n

Find out how to invest more tax efficiently and reach your goals in our comprehensive guide<\/p>\n

Download now<\/a><\/strong><\/p>\n

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Why invest for a child <\/h3>\n\n\n\n

Children today face a more uncertain financial future than they did in the past. University tuition fees in the UK have increased nine-fold since 1998. For courses starting in 2025 and 2026, tuition fees are up to \u00a39,535 a year1<\/sup>, meaning many students face graduating with enormous levels of debt.\u00a0<\/p>\n\n\n\n

Meanwhile, house prices have increased at a much faster pace than average wages, making it harder to get a foot onto the property ladder. Investing for your child or grandchild offers them the chance to graduate free from debt, raise a deposit for their first home, or simply have a financial boost when they most need it. <\/p>\n\n\n\n

Cash versus investing <\/h3>\n\n\n\n

There are lots of options when it comes to saving and investing money for children. Piggy banks and cash savings accounts are useful for teaching young children about money, as well as funding short-term goals like buying a new gadget or toy. But when it comes to longer-term goals, leaving money in cash probably isn\u2019t the wisest decision. <\/p>\n\n\n\n

The interest rates on cash savings accounts tend to be below the rate of inflation<\/a>. This means that, over time, the \u2018real\u2019 value of your child\u2019s savings will decline. If you left \u00a3100 in a piggy bank and inflation averaged 2.5% a year, its real value would fall to just \u00a388.11 after five years.\u00a0<\/p>\n\n\n\n

Investing in the stock market offers the potential for greater long-term growth<\/a>, helping your money to work harder for your child\u2019s future. Although the stock market is volatile, history shows that over periods of ten or more years, it tends to perform more strongly than cash and grow above the rate of inflation.\u00a0<\/p>\n\n\n\n

The benefits of a Junior ISA <\/h3>\n\n\n\n

One of the best ways to invest for a child\u2019s future is through a Junior ISA. Anyone can contribute to a Junior ISA, but the maximum that can be paid in is \u00a39,000 (in the current tax year) for each child. You don\u2019t pay capital gains tax on the profits (\u2018gains\u2019) you make when selling investments.\u00a0<\/p>\n\n\n\n

Reinvested interest and dividends are also tax free, making Junior ISAs a simple way of investing tax efficiently. Once your child turns 18, they can either access the money or continue investing through an adult Investment ISA.\u00a0<\/p>\n\n\n\n

Although it\u2019s possible to invest for children by earmarking part of your own ISA, opening a Junior ISA means you won\u2019t use up any of your own \u00a320,000 annual ISA allowance. You might also find it easier to manage your savings and investments if you can clearly see how much money belongs to each member of the family.\u00a0<\/p>\n\n\n\n

How much to invest <\/h3>\n\n\n\n

How much you choose to invest will depend on a range of factors, including your financial circumstances, goals, and personal preferences. It\u2019s important to ensure you don\u2019t invest more than you can afford, and that you\u2019re not neglecting other goals, such as saving for your retirement<\/a>. <\/p>\n\n\n\n

The table below gives an illustration of how much a monthly investment could potentially be worth after five, ten, 15 and 18 years. Remember, investments can fall as well as rise, and inflation can reduce the spending power of money over the long term. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n
Number of years<\/th>\n\u00a350 per month<\/th>\n\u00a3100 per month<\/th>\n\u00a3300 per month<\/th>\n<\/tr>\n<\/thead>\n
5 years<\/td>\n\u00a33,376<\/td>\n\u00a36,752<\/td>\n\u00a320,256<\/td>\n<\/tr>\n
10 years<\/td>\n\u00a37,437<\/td>\n\u00a314,874<\/td>\n\u00a344,622<\/td>\n<\/tr>\n
15 years<\/td>\n\u00a312,396<\/td>\n\u00a324,791<\/td>\n\u00a374,373<\/td>\n<\/tr>\n
18 years<\/td>\n\u00a315,882<\/td>\n\u00a331,764<\/td>\n\u00a395,293<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n

Forecasts are not a reliable indicator of future performance.<\/em><\/strong>
Source: RBC Brewin Dolphin. Assumes investment growth of 4% a year after charges and before inflation.\u00a0<\/em><\/p>\n\n\n\n

The key thing to remember is that the earlier you start, the better your chances are of boosting your child\u2019s future financial security. Not only will you be saving for a longer period, but you\u2019ll also have longer to potentially benefit from investment growth and compound returns<\/a>. Compounding is where you get a return on your returns as well as on your initial capital, and it is particularly powerful over long periods. <\/p>\n\n\n\n

Next steps <\/h3>\n\n\n\n

Understanding how much you can afford to save for children and where to invest it isn\u2019t always straightforward. Taking some financial advice<\/a> will help you feel confident that you\u2019re balancing saving for children with your other needs, and that you\u2019re on track to meet all your goals.<\/p>\n\n\n\n\n\n\n\n\n
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Invest for your child\u2019s future today<\/h5>\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

Find out more<\/a><\/strong><\/p>\n

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1<\/sup> www.ucas.com\/finance\/undergraduate-tuition-fees-and-student-loans<\/a> and https:\/\/commonslibrary.parliament.uk\/research-briefings\/cbp-8151\/<\/a><\/p>\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. Forecasts are not a reliable indicator of future performance.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

A\u202fJunior ISA\u202fcould give your child an important financial leg up as they enter adulthood. Here\u2019s what you need to know.<\/p>\n","protected":false},"author":97,"featured_media":11963,"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":[248,195],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[],"rbcwm_segment":[772],"rbcwm_solution":[812],"rbcwm_topic":[114],"rbcwm_channel":[99],"rbcwm_format":[779],"class_list":["post-23286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-family-finances","category-wealth-planning","rbcwm_segment-individuals","rbcwm_solution-investing","rbcwm_topic-investing","rbcwm_channel-private-clients","rbcwm_format-article"],"acf":{"rbc_ct_service":"s1","rbc_ct_theme":"s1_th1","rbc_ct_topic":"s1_th1_ta1","rbcwm_subtitle":"A\u202fJunior ISA\u202fcould give your child an important financial leg up as they enter adulthood. 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