Home > Child Trust Fund and Junior ISA maturity > What are the next steps for my Junior ISA?

What's next for your Junior ISA money?

At 18, you'll be able to log into your online account and tell us what you’d like to do with the money in your Junior ISA.

What are my choices?

Icon option number 1

Keep investing your money

Move your money into another product, such as a Lifetime ISA to save for your first home or a Stocks and Shares ISA to save for anything else.

Icon option number 2

Invest some, spend some

Transfer some of your money into another investment product and withdraw the rest to spend now or invest elsewhere.

Icon option number 3

Leave some, spend some

Decide how much you want to withdraw and leave the rest where it is in your adult ISA while you decide.


Withdraw all your money straightaway

It’s a good idea to make a plan for how you’ll use your money if you choose this option!

We can’t tell you how best to spend your money, but we can let you know your options when it comes to investing.


How can I invest my Junior ISA money?

That depends on what you want to spend the money on in the future.

We have two products that both invest in stocks and shares but are designed for different savings goals.

Both are tax-efficient, meaning no matter how much money you make, you won’t pay any tax when you take your money out. They also both come with the option to invest in a climate-focused fund.

  • Our Lifetime ISA could be right for you if you want to invest your money towards buying your first home at some point in the future.
  • Our Stocks and Shares ISA might be a better fit if you want to put money aside for anything else or you've not yet decided what you'll spend it on.

Once you turn 18, you'll see an option in your online account to simply transfer money from your Junior ISA into one of these products.

Find out more about investing your Junior ISA money.

Your investment options with OneFamily

It's worth remembering that the value of stocks and shares can fall as well as rise. This is normal for this type of investment, but you could get back less than has been paid in.

Stocks and Shares ISA vs. Lifetime ISA

Not sure which is most suitable for you? Our short video explains how these two products suit different savings goals.

Ready to make your choice?

Register or log into your online account to let us know what you’d like to do.

If you want to withdraw some, or all, of the money in your Junior ISA you can choose to do this by bank transfer or by asking us to post you a cheque.

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’re not decided, don’t worry – you can leave your money where it is while you give it some thought.

Log in