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What types of Junior Accounts will we offer?

Imagine if your parents or grandparents had opened a Pension for you when you were born and they placed £100 a month until you were 18, then you took it over and continued to pay the same amount until you were 67.  Very simply, at 5% net growth (for example) your pension could be worth £650,000. 

If your parents didn’t pay your contributions for the first 18 years, your pension would be worth £250,000.  That’s the power of compounding!

The £21,000 worth of premiums your parents would have made in the first 18 years account for £400,000 worth of growth over the next 49 years!!

Please note that no inflationary cost is included in these figures and they are very generic in nature.  Markets can go up then can go down, the above is a very best case scenario.

At Invinitive, we have a range of products available for minors; including our Junior Self Invested Personal Pension, our Junior Individual Savings account and our Junior General Investment Account.

Junior ISA

A Lifetime ISA is an ISA with a difference – it’s to help you buy your first home or save for retirement

Junior GIA

A stocks and shares ISA, invests in markets, so has the ‘potential’ for greater growth than cash accounts over the long term.

Junior SIPP

We offer both the LISA and the SSISA for your Children, getting them on the financial ladder quicker than normal.

Junior ISA

A junior ISA is a permanently tax-free savings or investment wrapper aimed at encouraging families to save for their children’s futures.  Any money you put in one will be locked away until your child’s 18th birthday, when it becomes their cash (and will become a standard ISA).

You can put up to £9,000 into a junior ISA in the 2023/24 tax year which can be split whichever way you like between the two types of junior ISAs:

  • Junior cash ISAs. This is not offered through Invinitive.
  • Junior stocks & shares ISAs.  Invest in Global markets.  Returns depend on the performance of the stocks or shares you’ve invested in.

You and your Child must be UK tax resident to open an ISA.

Junior SIPP

Do you wish you’d started saving into your pension earlier? A Junior SIPP (Self-Invested Personal Pension) could give a child a substantial head start in saving for their future.

The Junior SIPP is the same as a regular SIPP – the difference is that a parent or legal guardian manages the account, and makes any investment decisions, until the child turns 18.

The money in a SIPP cannot be accessed until age 55 (rising to 57 in 2028 and likely to rise further). This means a Junior SIPP has decades to mature. Invest up to £3,600 gross per child per tax year – the taxman automatically pays 20% tax relief (up to £720) so you can put in up to £2,880. Investments in a pension are free from UK income and capital gains taxes.

Remember tax rules can change and benefits depend on personal circumstances. Gifts to a child’s pension are often covered by one of the inheritance tax exemptions and so could fall outside your estate for inheritance tax purposes.

Junior GIA

A GIA, or General Investment Account, is an account which allows you to hold investments outside of tax wrappers, such as ISAs or pensions. Unlike ISAs, there is no limit to how much you can invest in a GIA. They are therefore, ideal for those who have used up their ISA allowance and who have more to invest. There are no restrictions on when you can access money invested in a GIA, although you should generally look to invest for at least five years.

You can invest in a wide range of funds, shares, investment trusts and exchange traded funds (ETFs) and there are no restrictions as to when you can take your money out.

A junior GIA account can only be opened under a parent account which you will need to open first.

The value of your investments and the income from them can go down as well as up, you may get back less than you invest.  Tax treatment depends on individual circumstances and all tax rules may change in the future.  None of the above information should be construed as a personal recommendation or advice.  If you are unsure about the suitability of an investment or pension product you should speak to an authorised independent financial adviser.

Ready to get Started?

Open a new Junior Account

Open your account through our automated application process and then fund your account with as much as you wish to deploy or set up a Direct Debit.

Transfer an Existing Account

If you have an account with another provider you can transfer it to us. Open the respective account then provide us with the details of your existing accounts and we will take care of it from there.

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