Junior ISAs

We all wish the very best for the children in our lives. In a fast-changing world, we don’t know what their future will hold, but we can plan to ensure they have the best opportunity to live a happy life.

How Junior ISAs can secure your child’s financial future

The younger generation are facing new and difficult financial challenges as they grow up in our modern world. From University tuition fees and the difficulty of finding a deposit for a first property to, further ahead, the prospect of having to work longer and make provision for an income in retirement.

A Junior ISA can provide youngsters with a significant financial head start, as well as providing an initial introduction to the benefits of saving for the future. It provides a flexible and tax-efficient way to build a capital sum that can help secure the financial future of the children in your life. It can ensure they have a good education and open up opportunities to help them get established when they grow up.

The value of an JISA with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested. The favourable tax treatment of JISAs may not be maintained in the future and is subject to changes in legislation.

Committed to your objectives

The maximum you can invest for each child in a Junior ISA in the current tax year is £9,000. By starting to invest as soon as you can, your capital has plenty of time to grow, whether you are saving on a regular basis or investing lump sums as and when you wish.

It is surprising how much even small amounts of money saved on a regular basis can grow in time. Junior ISAs provide you with a tax-efficient and flexible method to build a capital sum to help secure a child’s financial future.

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The service I have received from the team at Cooper Associates Wealth Management has been second to none. The support behind the scenes has been invaluable and I feel very happy having them looking after my financial needs.

Jack Leach, England Cricketer

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