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Home > Child Trust Fund and Junior ISA maturity > Should I re-invest my Junior ISA money?

Should I reinvest my Junior ISA money?

What does "reinvesting" actually mean?

At the moment, the money in your junior ISA is either building interest like a current account does or it’s in a fund that's invested in the stock market.

When we talk about “reinvesting” it, we mean moving the money out of your Junior ISA and into an account that invests it in stocks and shares to hopefully grow your money.

This can feel complicated, and there is a risk that your money could go down, but there’s also more potential for it to grow than there would be if you put it into a cash savings account. We make it simple to move money from your Junior ISA into a Stocks and Shares ISA or Lifetime ISA once you reach 18.

But remember, you don’t have to reinvest all of it. If you want to take some money out when you turn 18 and keep the rest saved for a rainy day, that’s completely fine.

What options are there to reinvest my money?

When you turn 18, you can easily move money from your Junior ISA into one of our stocks and shares products, ready for when you need it.

If you decide to reinvest your money with OneFamily, there’s two options which suit different needs.

Why reinvest with OneFamily?

What you do with your money once you turn 18 is, of course, 100% up to you. But here’s a few reasons why people choose to reinvest their Junior ISA money with us:

  • Our funds are climate-friendly. That means when you reinvest with us, you’re supporting companies that are actively working towards reducing carbon emissions and you’re not funding activities like fracking.
  • We’re a mutual. We don’t have shareholders to pay dividends to, so we reinvest our profits to benefit our members and the community. As a OneFamily member, you’re also supporting our charity partners.
  • We invest in stocks and shares. When you open our Lifetime ISA or Stocks and Shares ISA, you can choose one of two funds
  • Transferring is easy. Simply log into your online account and let us know where you’d like us to move your money to. You’ll even be able to log in with the same password after your Junior ISA is closed.

Ready to make your choice?

If you want to reinvest some, or all, of the money from your Junior ISA, register or log into your account to get started.

I'm not yet 18

Sit tight for now. If you’re 16 or over, you can register for an online account so you’re ready to go as soon as you do turn 18.



I’m 18 but haven’t got an online account

It’s easy to register, you just need your name, date of birth and National Insurance number.



I’m 18 and have an online account

Log in and let us know what you’d like to do with your money. If you’ve not decided, don’t worry – you can leave your money where it is while you give it some thought.

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