Investing for your children

Give your children the best financial start in life

Investing for your children is easy with The Share Centre. Whether you want to open a Junior Individual Savings Account (Junior ISA), a Child Trust Fund (CTF) or our Junior Investment Account, you can rely on us to provide you with all the help you need. There's a monthly investment option and access to our Platinum 120 Funds to help you get started quickly and easily.

Don't forget, investments, their value and the income they provide can go down as well as up and you might not get back what you originally invested. Tax advantages depend on your individual circumstances and the benefits of ISAs could change in the future. Once you've paid money into a Junior ISA or a Child Trust Fund it is locked-in until the child is 18 and can't be withdrawn except as permitted by the CTF regulations, nor can it be repaid to the donor.

Junior ISAs

Introduced in November 2011, the Junior ISA effectively replaces the Child Trust Fund. If you have a Child Trust Fund for your child already then you won't be able to open a Junior ISA as well. While the Junior ISA does not have a Government contribution like the Child Trust Fund, it does offer the same tax advantages of the 'adult' ISA and has a great range of investments to choose from.

Junior Investment Account

While the Junior ISA offers the tax advantages when investing for your child, you may want to invest more than the Junior ISA allowance, so this is where our Junior Investment Account could help. The account is available for children of all ages and there's no restriction on how much you invest or when and where you invest. You can also take money out of a Junior Investment Account, unlike a Junior ISA or Child Trust Fund.

Child Trust Funds

All children born on or after 1 September 2002 and before 3 January 2011 qualified for a Child Trust Fund. The Share Centre offers two account options: Stakeholder and Child Investment Account. Whilst new accounts cannot be opened (unless you have a valid voucher), existing accounts can still be used, and if you have an account with another provider it can be transferred to us.

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Three different ways to open a Junior ISA, Junior Investment Acccount or Child Trust Fund.

The Share Centre Limited is a member of the London Stock Exchange and is authorised and regulated by the Financial Services Authority and is entered in the register (www.fsa.gov.uk/register/) under reference 146768. Registered office: Oxford House, Oxford Road, Aylesbury, Buckinghamshire, HP21 8SZ. Registered in England no. 2461949. VAT registration no. 596 3918 82.