Junior ISA

Save for your child’s future with a plan you can count on. From just £10 per month. When you invest your capital is at risk.


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left to use your 2020/21 Junior ISA allowance

Simple to setup

Parents or guardians can open a plan online in minutes. Then make monthly Direct Debit payments or a single lump sum.

Easy to manage

Manage your plan online or with the help of our Member Services Team. Pause, top up or change your payments anytime.

Brighten their future

On turning 18 your child could have the funds to help get on the property ladder or further their education.

A Shepherds Friendly Junior ISA lets you give your child a lump sum when they turn 18. Invest up to £9,000 a year with the flexibility to make regular or one-off payments.

  • Start a fund from just £10 a month or a one-off payment of £100
  • Friends and family can contribute to help the fund grow
  • It’s a tax-free way to save for their future

Remember, the value of investments can fall. You may get back less than you invest. Tax rules can change, and individual effects vary.

With a Junior ISA, you’re helping them embrace their independence. Whether buying their first home or car, or following their university dream, they’ll have the financial freedom thanks to you.

Start saving with a Junior ISA today and help them get on in life.

Open online

You’ll be done in the time it takes to make a cup of tea.

Login & manage your account

You can access your secure online account anytime.

Help grow their savings

Top up anytime and friends and family can contribute too.

18th Birthday surprise

The big day arrives. Set them up with a tax-free cash gift.

As a mutual, we’re built on fairness. We’re owned by our members rather than shareholders meaning more profits are returned to them. And because of this our members even have a say in how we’re run. So, when you open a Shepherds Friendly Junior ISA, you’re helping secure your child’s future while helping define ours.

Our members love that we do things the right way

Nine out of 10 members would recommend our responsible investing to a friend.

Helping our members benefit for almost 200 years

The world’s changed a lot since 1826 but our idea of fairness remains the same.

When you’re member-owned, it matters more

We take the financial future of every member personally, because you’re one of us.

Open a Junior ISA for your child and get rewarded too. We’ll send you a Love2shop voucher code worth up to £50 when you make your first payment. See our terms and conditions.

Just click on the button to open a plan and start saving today. As with any financial product, it’s important to know what you’re signing up for. Read the documents below to learn all about our Junior ISA.

  • Past performance cannot be taken as a guarantee of future returns.
  • The value of the JISA depends on the future performance of the investments held in the fund and the bonuses we distribute from any profits arising from these investments.
  • HM Revenue and Customs may change the tax status of a Junior ISA in the future.
  • Inflation may affect the purchasing value of the investment in the future.
  • The money invested into a Junior ISA cannot be withdrawn early; it can only be withdrawn by the child when they reach the age of 18 years old.
  • If you transfer the plan to another provider, or if you leave the money invested for more than three months after the child’s 18th birthday, then we will calculate the value of the investments that you hold within the WithProfits Fund to ensure that you leave with your fair share. If you have been invested through periods of poor investment performance, you may get back less than the current value of your plan. This is known as a Market Value Reduction (MVR). 

When you take out an investment product with us your capital is at risk and you may get back less than you have put in. All references to taxation are to UK taxation and are based on Shepherds Friendly Society’s understanding of current legislation and H M Revenue and Customs practice which may change in the future. Investment growth is by means of bonuses, the amount of which cannot be guaranteed throughout the term of the contract. Please ensure that you read the full terms and conditions of this plan which are available from your financial adviser or by contacting us directly.

Please note: No advice has been given by Shepherds Friendly, and if you are in any doubt as to whether a savings plan is suited to your needs, then you should contact a financial adviser. There may be a charge for financial advice, and the cost should be confirmed to you before any advice is given.