for future generations

Junior ISA made easy

With a Junior Individual Savings Account (ISA), you'll have a tax-efficient way to invest for your child's future.

  • Best Child Trust Fund provider in 2011 and 2010 as Family Investments

  • Easy online account
    management

  • Best Junior ISA Provider
    2014-2017

  • Proceeds are free from capital gains and income tax

What is a Junior ISA?

A Junior Individual Savings Account (ISA) is a tax-efficient way to invest for your child's future.

Junior ISAs let you invest over the long term for the things your child might really want going into their adult life: whether that's going to uni, driving lessons or perhaps a little extra help to pay for a flat of their own.

The annual contribution limit for this tax year is £4,260, but with the OneFamily Junior ISA you can start paying from as little as £10 per month. And don't worry - there's no income tax or capital gains tax to pay on the final amount, which only the child can access and only once they reach 18. Tax advantages depend on individual circumstances and may change in the future.

Benefits of a Junior ISA

    • Final amount free from income/capital gains tax. (Tax advantages depend on individual circumstances and may change in the future.)
    • £30 Gift Voucher as a thank you when you apply online (Gift T&Cs apply)
    • Invest up to £4,260 in the current tax year
    • Only your child can access the money and only at age 18
    • Once you've chosen your product, applying online takes less than 10 minutes
    • Easy online account management
Winner: Four Times: Moneyfacts award 2014-2017 Best Junior ISA Provider.

By choosing our stocks and shares Junior ISA, you're trusting an award winning provider.

We've won the Best Junior ISA Provider award four years running: as Family Investments in 2012 and 2014 and as OneFamily in 2015, 2016 and 2017

30-pound-e-voucher

A little thank you

We'd like to give you a little gift to say thank you for your application. Open a OneFamily Junior ISA online and set up a monthly Direct Debit of £20 or more and we'll send you a £30 Amazon e-voucher.

Please see our gift terms and conditions

How much could your child get?

The figures are a guide only, and we can't guarantee them. They're not a reliable indication of future performance. The amount your child gets back depends on how the investment grows. Stocks and shares can fall as well as rise so the child could back less than has been paid in. Also, the cost of living generally increases so the final amount may not buy as much in the future as it could now.

Slide to the amount per month you intend to invest

  • £50

Slide to the current age of your child

  • CHILD'S AGE IN YEARS 5

Amount your child could receive at age 18

    £

    2% annual growth

      £

      5% annual growth

        £

        8% annual growth

        These results assume amounts for low (2%), mid (5%) and high (8%) annual growth levels. These figures include a deduction of annual management charges of 1.5%. Calculations are not exact and these charges may vary in the future.

        Choose a fund

        It shouldn't take any longer than 10 minutes to complete our online application. Before you apply, all you have to do is choose between the two funds below. Please read the documents below to get a good understanding about how each fund in invested.
        Remember, our Junior ISA invests in stocks and shares. As with any investment, its value can fall as well as rise and your child could get back less than is paid in. Only your child will be able to access the money paid into the Junior ISA, and only when they are aged 18.

        Our Junior ISA

        Invests in the Family Balanced International Fund

        If you prefer a broader range of investments that spread the risk, this could be the right choice for you.

            • Invests in multiple areas, including stocks and shares, reducing the impact of stock market fluctuation.
            • Invests in international companies as well as those based in the UK.

        To fully understand this fund, please read

        Important Information document

        Key Information document

        Fund fact sheet

         

        Apply online

        Request an enquiry pack

        Our Ethical Junior ISA

        Invests in the Family Charities Ethical Trust Fund

        If you want to invest in companies actively working towards environmental sustainability, this could be the one for you.

            • Only buys shares in companies with a responsible outlook on social, ethical and environmental issues.
            • Invests mainly in the top 50 companies listed on a selected ethical index.

        The selective nature of this fund means that it can be more sensitive to rises and falls in the stock market.

        To fully understand this fund, please read

        Important Information document

        Key Investor Information document

        Fund fact sheet

        Apply online

        Request an enquiry pack

        The OneFamily Junior ISA

        Our Junior ISA invests in stocks and shares because we think that's the best way to grow your child's money
        • Good potential to grow

          Over every 18 year period in the last 50 years, stocks and shares have grown more than cash accounts (where money is protected)*. Of course, good returns in the past don't guarantee good returns in the future.

        • Affordable and flexible

          Pay in from £10 a month up to the maximum of £4,260 this tax year. You decide how much you can afford. And if you need to, you can change the amount you want to pay in at any time.

        • A tax free lump sum

          There's no income tax or capital gains tax payable on the final amount, so your child's money could go that little bit further.

        • Anyone can pay in

          With regular or one-off payments, family and friends can easily contribute to the child's ISA account. You just need to make sure the conbined payments don't go over the current annual limit of £4,260.

        • Easy account management

          Register to manage your account online, amend your payment amounts or personal details, and see how much your child could get when they turn 18.

        • Award winning provider

          We've won the Best Junior ISA Provider award four years running: as Family Investments in 2012 and 2014, and as OneFamily in 2015, 2016 and 2017.

        *Source: Barclays equity gilt study April 2017. Average annual real rate of return based on Barclays indices.

        Frequently asked questions

        OneFamily Junior ISA

        Apply for our Junior ISA

        Apply online today

        30-pound-e-voucher

        A little thank you

        We'd like to give you a little gift to say thank you for your application. Open a OneFamily Junior ISA online and set up a monthly Direct Debit of £20 or more and we'll send you a £30 Amazon e-voucher.

        Please see our gift terms and conditions