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Junior ISA



Open a Junior ISA 

With investments, your capital is at risk

The grown-up way to invest in your child’s future

A Stocks and Shares Junior ISA gives you a tax-efficient way to invest for a child under 18.

You can currently pay in up to £4,260 a year, and your money could grow tax-free.

How we could boost your child's ISA

  • Investment Booster

    Boost your child's Junior ISA by up to 7.7% over 15 years - on top of any returns - when you invest in Vitality funds

  • Healthy Living Discount

    Reduce the product charge by up to 100% on your child's Junior ISA when you have a qualifying VitalityHealth or VitalityLife plan*

* The plans that give you membership of our healthy living programme, and qualify you for our Healthy Living Discount are:

• VitalityHealth: Personal, Business or Corporate Healthcare plans with Vitality Plus
• VitalityLife: Plans with Vitality Plus, excluding Vitality Core and Vitality Lite

Our Junior ISA at a glance

✓ Easy to start
Start a plan with regular contributions from £100 a month, or with a lump sum of at least £1,500. There’s no minimum amount for additional lump sums.

✓ Easy to manage
Stop, start, increase or decrease regular contributions, and pay in lump sums at any time, up to your child’s annual Junior ISA allowance.

✓ Hassle-free transfers
Easy transfer of existing Junior ISAs or Child Trust Fund, without affecting your child’s annual Junior ISA allowance.

✓ Potential to boost your child’s ISA even further
Our Investment Booster and Healthy Living Discount could add extra money on top of returns.

Please remember, the value of investments - and the income from them - can go down as well as up, meaning you may get back less than you invest. This information is based on our understanding of existing tax legislation which may change in the future.

A world of funds from leading investment managers

We’ve partnered with leading investment managers, Investec Asset Management and Vanguard, to offer you a range of 15 Vitality funds. Each is designed to help you achieve your financial goals, whether that’s growing your investment, generating an income in retirement or managing the risk you take. Plus, we offer a range of complementary funds from other well-known providers.

Explore our fund range

Junior ISA allowance for this tax year 2018-19

£4,260 per child

What are the charges?

Product charge – starts from 0.6%p.a. It’s tiered so the more you invest, the less the charge rate you pay. And with the Healthy Living Discount you could reduce the product charge. In fact, you might not have to pay one at all*.

Fund charge - for the ongoing management of the funds you choose.

For more details please read:
VitalityInvest Junior ISA Plan Summary
Terms and Conditions
Charges Schedule
Find out more
*If you invest in Vitality (or other eligible) funds only, hold a qualifying Vitalityhealth or VitalityLife plan, and earn enough Vitality points through our healthy living programme to reach Platinum status, the product charge is zero. Terms and conditions apply.

A few things to consider before you start

If you’re opening a VitalityInvest Junior ISA without taking financial advice, please remember that:

  • Returns on your investment aren’t guaranteed
  • You won’t be able to withdraw any of the money – only your child can do that, when they turn 18
  • To open a Junior ISA you must be at least 18 years old, and a UK resident for tax purposes, as defined by Her Majesty’s Revenue & Customs (HMRC)
  • You’ll be opening and managing the Junior ISA online
  • Your child must also be a UK resident, as defined by HMRC
  • The value of your child’s Junior ISA may go down as well as up and you may get back less than you invest
Ready to invest?

Get your child's tax-efficient investment under way. Capital at risk.

Open a Junior ISA

Your questions answered

How do I pay into a VitalityInvest Junior ISA?

You can make regular payments by Direct Debit, or make single contributions by bank transfer. You can transfer existing Junior ISAs or Child Trust Funds from other providers.

Do I need a VitalityHealth or VitalityLife plan to get the Investment Booster?

No, all you need to do is include Vitality funds in your child’s Stocks and Shares Junior ISA for at least five years.

Do I need a VitalityHealth or VitalityLife plan to get the Healthy Living Discount?

Yes, you’ll need one of the following qualifying plans:

• VitalityHealth: Personal or Business Healthcare plans or Corporate Healthcare plans with Vitality Plus
• VitalityLife: Plans with Vitality Plus, excluding Vitality Core and Vitality Lite

You’ll also need to take steps to be healthier with our healthy living programme, and invest the Junior ISA in Vitality funds.

Find out more about VitalityHealth and VitalityLife.

Who manages the Vitality funds?

We’ve partnered with Investec Asset Management and Vanguard to create two ranges of Vitality funds:

• Performer - managed by Investec to meet a broad range of investment needs
• Risk Optimiser - risk-targeted funds investing in Vanguard index-tracking funds, and managed by Vitality

Explore our range of funds

(i) The VitalityInvest Risk Optimiser funds are not sponsored, endorsed, sold, or promoted by The Vanguard Group Inc. or Vanguard Asset Management, Limited and they make no representation regarding the advisability of investing in the funds.

Which funds do I need to invest in for my child to get the Investment Booster?

Any of the 15 Vitality funds could make a VitalityInvest Junior ISA eligible for the Investment Booster. Find out more

Please note, this is not a personal recommendation to buy funds. If you need help to decide, speak to an authorised financial adviser. You should regularly assess the suitability of your investments to make sure they continue to meet your attitude to risk and investment goals.

Which funds do I need to invest in for my child to get the Healthy Living Discount?

Any of the 15 Vitality funds could qualify for the Healthy Living Discount. For details of funds, see our Charges Schedule

“Vanguard” is a trade mark of The Vanguard Group, Inc., and has been licensed for use by Vitality Life Limited. The VitalityInvest Risk Optimiser funds are not sponsored, endorsed, sold, or promoted by The Vanguard Group, Inc. or Vanguard Asset Management, Limited and they make no representation regarding the advisability of investing in the funds.