{"id":38876,"date":"2025-04-09T15:14:41","date_gmt":"2025-04-09T15:14:41","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/?p=38876"},"modified":"2026-05-26T18:23:43","modified_gmt":"2026-05-26T18:23:43","slug":"rising-junior-isa-wealth-shows-the-power-of-early-planning","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/rising-junior-isa-wealth-shows-the-power-of-early-planning","title":{"rendered":"Rising Junior ISA wealth shows the power of early planning"},"content":{"rendered":"\n

Our Freedom of Information (FOI) request to HMRC revealed that the UK\u2019s top 50\u00a0Junior Individual Savings Account (JISA<\/a>)\u00a0investors have pots exceeding \u00a3761,000, putting them on track to become millionaires in their 20s.<\/p>\n\n\n\n

The findings showed that 370 of the top JISA investors had pots worth more than \u00a3200,000 in the 2021\/22 tax year, a sharp rise from 40 the previous year.<\/p>\n\n\n\n

Rob Burgeman, Investment Manager at RBC Brewin Dolphin, said: \u201cJunior ISA wealth is booming as more and more families take steps to help the next generation navigate a world of costly tuition fees and ballooning house prices.<\/p>\n\n\n\n

\u201cThe annual \u00a39,000 JISA allowance is less than half of its adult counterpart, and for that reason very few people ever imagined that there might be schoolchildren sitting on pots of \u00a3750,000 or more. HMRC\u2019s figures, however, underscore the value of long-term planning and the power of compounding.\u201d<\/p>\n\n\n\n

\n
\"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

Building your child\u2019s JISA pot<\/h2>\n\n\n\n

While few families can amass such large sums, a more modest pot of \u00a350,000 to \u00a3100,000 is within reach for many. The number of children with savings of \u00a350,000 or more in a JISA has more than doubled to 16,470. Meanwhile, the number of children with pots worth \u00a3100,000 or more has more than trebled to 1,910.<\/p>\n\n\n\n

Burgeman said: \u201cStarting at birth, a \u00a350,000 pot could be built by the child\u2019s 18th birthday on contributions of roughly \u00a3150 a month, assuming annualised returns of 5% after charges. Increase the contribution to \u00a3300 a month, and they\u2019ll be looking at a windfall of around \u00a3100,000.\u201d<\/p>\n\n\n\n

A \u00a350,000 pot could help your child to cover the cost of university tuition fees, or get a foot on the property ladder.<\/p>\n\n\n\n

The benefits of a Junior ISA<\/h2>\n\n\n\n

Junior ISAs were launched in 2011 for children under 18, offering the choice of cash JISAs or stocks and shares JISAs. The annual allowance has increased from \u00a33,600 to \u00a39,000 today. This allowance means a family of four could now pay up to \u00a358,000 annually into ISAs – \u00a320,000 for each adult and \u00a39,000 for each child – with investments growing free from capital gains tax<\/a> (CGT) and income tax.<\/p>\n\n\n\n

While parents can contribute to a JISA, money can also be gifted by family and friends. Unlike adult ISAs, the savings cannot be accessed until the child turns 18. At this stage, funds can either be withdrawn or transferred into an adult ISA.<\/p>\n\n\n\n

The majority of Junior ISA holders are relatively small investors. According to HMRC\u2019s figures, around 1.6 million JISA investors have pots worth less than \u00a310,000.<\/p>\n\n\n\n

\"Junior
Source: HMRC<\/figcaption><\/figure>\n\n\n\n

To have grown the \u00a363,436 from 17 years of maximum JISA contributions (made by maximising JISA allowances each year from 2011) into one of the top 50 pots, averaging \u00a3761,100, by the end of 2021\/22, you\u2019d have needed an extraordinary annual return of nearly 32%. This includes the \u00a31,200 allowable annual contribution from the government\u2019s Child Trust Fund (CTF), the JISA\u2019s predecessor.<\/p>\n\n\n\n

While far surpassing average investment returns, Burgeman said: \u201cThis kind of turbo-charged growth simply can\u2019t be generated through patient cash saving.\u201d Over the same period, the same contributions to a cash JISA would have amounted to \u00a366,000.<\/p>\n\n\n\n

Taking control with trusts<\/h2>\n\n\n\n

Some parents worry that their children will not be responsible enough to receive a sudden JISA windfall. For parents who want more control over how the money is used, setting up a trust is another tax-efficient way to pass wealth to the next generation.<\/p>\n\n\n\n

Burgeman said: \u201cThere are many types of trust, but a discretionary trust is perhaps the perfect vehicle for families to pass wealth on in a tax-efficient manner at a time of their choosing.\u201d<\/p>\n\n\n\n

Unlike the JISA, children and grandchildren don\u2019t have an absolute entitlement to the funds at age 18. The trustees may decide when to release the funds, when they feel the beneficiaries are able to manage the investments themselves.<\/p>\n\n\n\n

Saving for your child\u2019s retirement<\/h2>\n\n\n\n

Another option for parents and grandparents is saving into a pension<\/a> on the child\u2019s behalf. Anyone can contribute up to \u00a32,880 per tax year into a junior pension. Thanks to 20% income tax relief, this amount is boosted to \u00a33,600. The child won\u2019t be able to access the funds until they reach the minimum pension age, currently 55, rising to 57 in 2028.<\/p>\n\n\n\n

Contributions to a junior pension are considered gifts for inheritance tax (IHT) purposes. However, they may fall within your \u00a33,000 annual gifting exemption or be exempt from IHT if made from regular surplus income.<\/p>\n\n\n\n

Next steps <\/h2>\n\n\n\n

Choosing the right tax-efficient investment option for your child or grandchild\u2019s future isn\u2019t easy. Let’s bring our ideas together and make it a reality. Speaking with a financial adviser can help you feel confident that you\u2019re making the best decisions to provide for the next generation\u2019s financial security.<\/p>\n\n\n\n

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><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Discover the benefits of starting a Junior ISA and why it’s worth investing early.<\/p>\n","protected":false},"author":145,"featured_media":38960,"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":[768,769],"rbcwm_segment":[773,792,772],"rbcwm_solution":[759],"rbcwm_topic":[114,757],"rbcwm_channel":[99,781],"rbcwm_format":[779],"class_list":["post-38876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-family-finances","category-wealth-planning","rbcwm_need-grow","rbcwm_need-secure","rbcwm_segment-business-owners","rbcwm_segment-corporate-executives","rbcwm_segment-individuals","rbcwm_solution-investments","rbcwm_topic-investing","rbcwm_topic-wealth-planning","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":"Discover 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