Junior ISA
Invest in an ISA that grows with your little one and give them the best opportunities in life.
One day, their Junior ISA could go towards their first car, first house, or moving out for the first time for university.
When you invest, your capital is at risk
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Bonus paid since 2011
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Trusted since 1826
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Member-owned
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Guaranteed payout on maturity
Why open a Junior ISA with Shepherds Friendly?
Established in 1826
Established in 1826
We’ve been putting our members first for almost 200 years and counting. As we’re not owned by shareholders, our members are at the heart of all we do.
A bonus from us
A bonus from us
We’ve paid a bonus to our Junior ISA members every year since we launched the plan in 2011.
Premium guarantee
Premium guarantee
If you remain invested with us until your child’s 18th birthday, we guarantee that you child won’t receive less than you’ve invested into their plan. Please note: money must be withdrawn or transferred to an adult ISA within 3 months of the plan maturing.
A smoother way to invest
A smoother way to invest
With our investment strategy, we aim to provide smoother returns so that your child’s Junior ISA has the opportunity to grow gradually over the years.
Easy to manage
Easy to manage
Track the performance and look after their Junior ISA in a few taps with our mobile app. Enjoy the flexibility to invest your way, by adding top-ups when it suits you, or with a fuss-free monthly Direct Debit.
Welcome treat
Welcome treat
To help kickstart your child’s investment journey, with our ISA Boost, we’ll match the first deposit you make into their plan, up to the value of £100. Terms apply.
How your child’s ISA could grow over time
We want our members to feel safe in the knowledge that we’re carefully looking after their money. That’s why we have our premium guarantee, to ensure that your child will get back at least what you put in, if you remain invested until their 18th birthday.
By investing sooner rather than later, you can have a significant impact on what you’re able to gift your child on their 18th birthday. For example, see below how your child’s investment could grow over the years through monthly deposits and compound interest:
| Monthly Payment into Investment | Potential Value After 5 Years of Investing | Potential Value After 10 Years of Investing | Potential Value After 18 Years of Investing |
|---|---|---|---|
| £10 | £647.40 | £1,397.92 | £2,838.16 |
| £30 | £1,942.21 | £4,193.76 | £8,514.48 |
| £50 | £3,237.01 | £6,989.60 | £14,190.80 |
| £100 | £6,464.02 | £13,979.19 | £28,381.60 |
| £200 | £12,948.05 | £27,958.38 | £56,763.20 |
| £500 | £32,370.12 | £69,895.96 | £141,907.99 |
| £750 | £48,555.00 | £104,843.93 | £212,861.99 |
Note: This table is for demonstration purposes only. These calculations provide an estimate of the potential value of monthly investments in a Junior ISA over 5, 10, and 18 years, assuming an average annual return of 3%. This includes the addition of annual compound interest if it were applied at the start of each year. Note that actual returns could vary, and investing always involves risks.
What is a Junior ISA?
Watch our video to find out more about how our Junior ISA works and the ways it could benefit your child.
Junior ISA overview
The nest egg you build up for your child can make all the difference when they turn 18, at a time when
they’re finding their feet.
There’s no better 18th birthday gift than opportunity, whether this money helps them get on the property
ladder, supports them at university, or funds their driving lessons.
There are a few things to keep in mind when you open a plan:
Maximum allowance
2026/27 Junior ISA maximum tax-efficient allowance is £9,000. This means you can’t contribute more than this into your child’s ISAs per financial year (6 April to 5 April).
How many plans?
If you want, your child can have two types of ISAs: A Junior ISA and a Junior Cash ISA. The £9,000 allowance spreads across these, as long as the amount you deposit doesn’t exceed the limit. For example, you could contribute £7,000 into a Junior ISA and £2,000 into a Cash Junior ISA or vice versa.
Who can open a plan?
Only parents or guardians who are UK residents and over the age of 16 can open a Junior ISA for their child.
When can a plan be opened?
Junior ISAs can be opened from the day the child is born up until their 18th birthday. When the child turns 16, they have the option to start managing the plan themselves, but they cannot access the money until they reach 18 years old.
Who can contribute?
It’s not just you that can contribute money towards a brighter future for your child – friends and family are also welcome to help nurture the nest egg if they want to gift something extra special gift.
Will I get a return?
Stocks and Shares have higher growth potential than cash savings. Historically, investments do outperform cash, but you should be aware that this isn’t guaranteed and there is a risk of loss.
How to withdraw
Can be withdrawn or reinvested into a Stocks & Shares ISA when your child turns 18. At this point, they have the choice of how they want to manage their money.
Ready to start your investment journey?
Download this document for all the key information about our Junior ISA.
When you invest, your capital is at risk
Double their first deposit with a free ISA Boost from us.
Let us help you grow your child’s investment with an ‘ISA Boost’. Open a Junior ISA, and we’ll match the first deposit you make into their plan, up to the value of £100. Terms apply.
Important things to consider about 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.
- We will calculate the value of your investments in the With-Profits Fund if you transfer your plan elsewhere or leave the money invested for more than 3 months after the child’s 18th birthday. We do this to ensure you receive 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: Shepherds Friendly has not given any advice. Contact a financial adviser if you have doubts about whether a investment plan is suitable for you. There may be a charge for financial advice, and the cost should be confirmed to you before any advice is given.