A new opportunity

The new Junior ISA, available from 1 November 2011, gives every child who has missed out on a Child Trust Fund the opportunity to invest for a tax free payment when they are 18. 

Help with the costs of becoming an adult

If you want to help your child with university fees or living expenses a Junior ISA is a great way of investing for their future. They could use the payout to help towards buying their first house, setting up home or learning to drive.

Whatever they choose it could make a real difference to their financial start in adult life.

Regular savings that grow

Flexible investments

If you are investing every month for a child, you can amend or suspend the payments whenever you want. You don’t have to commit to a minimum term and you can start with just £10.

Because of the unique tax advantages of a Junior ISA the government limits the amount that you can invest every year. Currently the maximum you can invest in a Junior ISA is £3,600 per year.

When the child is 18 they can withdraw some or all of the money or leave it invested in an ISA. The choice is theirs.

Stocks and shares

The Healthy Investment With profits Junior ISA is a stocks and shares Junior ISA which invests in the Healthy Investment With profits Fund. This includes stocks and shares, company and government bonds, commercial property and bank deposits.

The investment grows through the regular bonuses that we add to the investment every year.

An 18th birthday guarantee

For all investments held over 5 years, Healthy Investment guarantees that when the child reaches 18, no matter what has happened to the stock market or the value of investments, no market value reduction will be applied to their policy. This means that they will receive all of the money that has been invested plus all the bonuses that have been added. They may also receive a final bonus.

For investments held for less than 5 years at age 18, we guarantee not to apply a market value reduction on the 5th anniversary of every investment.