Junior ISA.
Invest for your child's future with a Stocks and Shares Junior ISA, and help give them a head start.
Capital at risk. Tax rules vary by individual status and may change.
Award-winning investing
What is a Junior ISA?
A Stocks and Shares Junior ISA (JISA) lets you invest for your child until they're 18, while protecting returns from UK Income and Capital Gains Tax. Open ours with £100, and start building a foundation that could help them achieve everything you know they can.
Invest up to £9,000 a year
On top of your own ISA allowance.
Pay no tax on returns
Keep more for their future fund.
Grow their wealth
Due to inflation, investing can be better than saving.
Why open a Junior ISA with us?
Personalised to you
Select the investment style and risk level that best suits your goals.
Managed by us
Our team manages your globally diversified portfolio, which you can track anytime.
Expertise built in
Get real human support, expert insights, and regular market updates.
Make our Junior ISA your own
You can choose from five investment styles that prioritise long-term growth. Find the right fit for your plans, and we'll take care of the rest.
Speak to our wealth experts
Our team is here to discuss your strategy, check you're making the most of your tax-free allowances, and give you all the options that could set your family up for success in the future – so you can make the most informed decision, every time.
Questions about anything else to do with investing? Just ask.
Book a free call
Financial advice tailored to you
Planning how to cover school fees, family travel, or getting them set up for life? Our team of advisers can help with our paid advice service.
We'll do an in-depth assessment of your portfolio, strategy and goals to detect areas where your investments could be doing more for your family's future. You'll get a personalised financial plan based on our products and services, and your relationship manager will help you put it into action. You'll also receive expert recommendations on how to structure your finances in the best way for your children, leave an inheritance, and more.
Learn more about Junior ISAs
What you'll pay for a Junior ISA
It's free to join us. The only fee is for our experts to manage your money, plus the cost and market spread of the funds we buy into for you. Investing with us also gives you year-round free access to our Insights hub, free financial guidance whenever you need it, and regular updates sent from our investment desk.
Check our feesIt's simple to transfer a Junior ISA to us
Do some checks first
Make sure you won't lose any benefits or get charged unexpected fees.
Open your new JISA
Set up a new home where you can bring your existing investments together.
Start your transfers
Give us your existing JISA or Child Trust Fund details and we'll get started on the admin.
See our industry-beating results
Below you can see a detailed breakdown of our performance over the past few years. And because we value transparency, we've also detailed how our investments are allocated across countries and assets.
- Track Record
- Asset allocation
- Countries allocation
Track Record
Explore our full 10-year track record for each of our 10 risk-based, Fully managed portfolios and see how our results compare against our competitors.
The past performance shown represents a composite of asset-weighted average returns for Nutmeg client portfolios, net of all fees. A composite return represents the average return of all client accounts for a given risk level on a given day, weighted by assets. Past performance is not a reliable indicator of future performance.
Nutmeg monthly returns shown in blue. Peers monthly returns for portfolios 3-10 shown in orange.
*The annualised figure is the return since inception expressed as a compound annual rate. For example, a portfolio with an annualised return of 6% corresponds to an actual return of 19.1% over three years (rather than 18% as you might expect) due to the effect of compounding.
Capital at risk. JISA rules apply.
Invest like the experts
"Paying into a Junior ISA won't affect your own ISA allowance, so maxing out the £9,000 every year is a great way to set them up for when they turn 18. Anyone can contribute, making it a gifting option for grandparents, other relatives and family friends."
Other ways to invest
Invest for every goal with our range of products, all expertly managed by our in-house investment team.
Questions about Junior ISAs
How much can I pay into a Junior ISA?
How much can I pay into a Junior ISA?
You can contribute up to £9,000 a year up until your child turns 18. This does not count as part of your annual ISA allowance of £20,000.
Who owns the money?
Who owns the money?
Your child, except in rare circumstances. For more on this, check the HMRC website.
What happens when they turn 18?
What happens when they turn 18?
The Junior ISA automatically becomes a Stocks and Shares ISA, in their name.
Can I open more than one Junior ISA?
Can I open more than one Junior ISA?
A child can have one Cash ISA and one Stocks and Shares ISA. If you have multiple children, you can open a Cash ISA and a Stocks and Shares ISA for each of them.
Can a child have more than one Junior ISA?
Can a child have more than one Junior ISA?
A child can have a cash JISA, a stocks and shares JISA, or both.
With Nutmeg, a parent or guardian may open multiple stocks and shares JISAs for different children (one JISA for each child). You may only open one pot within each individual JISA.
Can I transfer a Junior ISA?
Can I transfer a Junior ISA?
Yes, it's simple to do. Go to ‘Transfers’ in the left-hand sidebar of your dashboard, select your current provider, complete the details, and submit the request. Most providers offer electronic transfers, but if yours doesn't, you'll be able to print a form to send to them. We'll work with them to take care of the rest, and let you know when the transfer is complete – transfers usually take around three weeks.
I already have a Child Trust Fund – can I open a Junior ISA too?
I already have a Child Trust Fund – can I open a Junior ISA too?
No, if you want to open a Junior ISA for a child, you'll need to transfer in the Child Trust Fund and it will be automatically converted.
As with all investing, your capital is at risk. The value of your portfolio with Nutmeg can go down as well as up and you may get back less than you invest. To open a JISA, the child must be under the age of 16 and funds cannot be withdrawn until the child turns 18. Tax rules vary by individual status and may change. Before you transfer, check you won’t lose any benefits and that you know what charges you may incur. We provide 'restricted advice', which means we will only make investment recommendations on the products and services that we offer.