Junior ISA
✓ Invest from £50 a month
✓ Enjoy a product charge as low as 0% when you stay healthy
With investments, your capital is at risk.
What is a Junior ISA?
Whether you're saving for your child’s university fees, first car or deposit for a home, a Junior ISA could help give them a head start for when they reach 18. JISA’ stands for a Junior Individual Savings Account. It’s an investment that’s highly tax-efficient, which means you don’t need to pay tax on any money your child makes from it.
Here are the basics…
- Junior ISAs are a great way to put money away for your child. They’ll be able to access the money as soon as they turn 18
- Your child’s money is invested into funds, unit trusts, bonds, and shares in companies. If you’re willing to take some risk with your child’s money, Junior ISAs have the potential to offer higher returns than Junior cash ISAs
- You can decide the exact make-up of your child’s Junior ISA portfolio and change it whenever you like.
How much can you invest in a Junior ISA?
You can invest up to £9,000 this tax year.
This is the Junior ISA allowance set by HM Revenue & Customs (HMRC).
Why choose a Vitality Junior ISA?
Here's how we help you reach your financial goals faster
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Lower product charges
From 0.45%, to as low as 0%, when you stay healthy.
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Flexible payments
Invest from £50 a month or start with £1,500 as a lump sum.
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Range of funds
A range of ready-made portfolios that can be matched to your risk preference.
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Trusted fund managers
Choose from world-leading fund managers – Vanguard, SEI Investments or Ninety One.
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ESG fund options
Choose to invest in Vitality’s Environmental, Sustainable and Governance (ESG) funds.
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Discounts and rewards
Get discounts on brands like Caffè Nero, Garmin and more. Earn regular rewards for staying active.
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Affordable investing
Top up as much or as little as you like, when you like. You can invest lump sums or regular monthly amounts.
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Hassle free transfer
Tell us how much you want to transfer from your current provider and we’ll do the rest.
How to enjoy a product charge as low as 0%
We’re living longer. And we all want the wealth and good health to enjoy it. That's why we've combined wellness and savings. If you invest with us, and track your healthy habits, you could pay no product charge.
The more you look after your health, the lower your product charge. Charges start from 0.45% a year and can get as low as 0%.
This helps keep more of your money invested and gives it a better chance to grow. The healthier you are, the healthier your investments get:
- Start off on Bronze status with a product charge of 0.45% per year
- Track your activity whether that’s going for a walk, or a gym session to improve your status. The higher your status, the lower your product charge will be
- Work your way up to Platinum status and you could achieve a product charge as low as 0%.
More on our investment charges