Stocks & Shares Junior ISAs
Your child deserves the best! A Junior ISA could help to give them a great start in adult life by helping to build them a long-term investment.
Capital at risk.
About the Scottish Friendly Junior ISA
With Scottish Friendly, you’ll be investing with an award-winning Junior ISA provider:
Winner of Best Junior ISA Provider 2024 for the 6th year running at the Investment Life and Pensions Moneyfacts Awards.
Best Junior ISA Provider 2023 winner at the World Business Outlook Awards.
Ready-made
An easy start option of investing in a single fund. These ready-made options could be an ideal choice to begin investing for your child, even if you’re on a budget. Once set up, you'll be able to access the other funds available within the My Select (Junior ISA) range, giving you full control.
Do-it yourself
A selection of funds to choose from so you can tailor your child's investment, whether that is investing in just one, a mixture of them all or somewhere in between. This includes a Unitised With-Profits fund that comes with a guaranteed minimum payout when the child turns 18, provided no switches or withdrawals are made.
Please note that Scottish Friendly doesn’t offer a Cash Junior ISA. Keep in mind that stock market investments can go down as well as up, so your child could get back less than you've paid in. Tax treatment depends on individual circumstances and tax rules could change in the future.
If within the first 5 years of setting up the policy the registered contact transfers the policy to another Junior ISA manager, there will be a charge of £50 deducted from the withdrawal value. Only a mum, dad or guardian can take out a Junior ISA for the child. However, once set up anyone can contribute. The funds in a Junior ISA belong to the child and can only be accessed by them when they turn 18.
Find your future the friendly way
Need help finding the right product for you? Our handy tool could help you choose. We've products designed to help you and your family whatever your goals in life.
Select ‘Invest for me’ or ‘Invest for a child’ to invest for you or a family member using your own ISA allowance. To invest for a child using the child’s allowance, select the ‘Invest for my child’ option. For Over 50's you can select to protect your family, too.
Learn more...
It’s an Individual Savings Account for a child that allows their savings and investments to grow tax-efficiently.
You can save and invest up to a total of £9,000 in Junior ISAs in the current tax year, which can be split across both a Cash Junior ISA and Stocks & Shares Junior ISA. Tax rules apply.
Got questions?
Transfer an existing Junior ISA
When it comes to investing for your child, we understand that you want what's best for them.
If you've got a Junior ISA with a different provider, transferring your child's Junior ISAs to us is straightforward. With our range of investment options, we could help boost their financial future.
And with our friendly pricing, the more you invest the lower your overall charge could be.
Already a customer?
Did you know a special feature of your child’s Scottish Friendly Junior ISA allows you to invest towards more than one savings goal at the same time?
Adding another policy to your child’s existing Scottish Friendly Junior ISA can help manage your different saving and investing goals for them.
And if your child is lucky enough to have a grandparent, aunt, uncle or family friend that has a soft spot for them and money to spare, then once set up, they can add their very own pot into the Junior ISA too and pay money in directly from them.
Whether you and your family want to save towards their dream car, a deposit for their first home, or wherever life takes them, you can have as many policies as you like within their Junior ISA limit for the tax year.
