Investments explained
Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.
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The Royal Bank Invest Junior ISA is a Stocks and Shares Junior ISA. The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
What is a Junior ISA?
A Junior ISA could be a fantastic way to ensure your child has a great start in life. Start investing little and often to build for their future. Choose from five ready-made funds managed by Coutts investment managers.
A Stocks and Shares Junior ISA is a tax-efficient investment account which you can pay money into for your child. The money in the Junior ISA belongs to the child and cannot be returned. Until the child's 18th birthday, no withdrawals can be made. When the child turns 18, they will be able to access the money in the Junior ISA.
Why choose a Junior ISA?
A Junior ISA might be the right investment for you if you are looking for a tax-efficient way to save for your child. Here are some of the benefits and things you should consider about Junior ISAs:
- No UK Income or Capital Gains Tax to be paid.
- The Junior ISA allowance is £9,000 per child for the current tax year.
- Invest an initial lump sum from £50, or set up a regular monthly contribution from just £10.
- Top up any time from £10.
Who can open a Junior ISA?
To open a Royal Bank Invest Junior ISA you must:
- Have parental responsibility for a child who is aged under age 14 and resident in the UK.
- Be aged 18 or over.
- Open the account in the name of your child, however they won’t be able to make any withdrawals until they’re 18.
The child must not already hold a Child Trust Fund or another Stocks and Shares Junior ISA or, if they do, this must be transferred to a Royal Bank Junior ISA.
If your child already holds a Junior ISA with us before October 2019, you can find out about options available to you on our existing customers page.
Tax reliefs referred to are those applied under current legislation, which may change. The availability and value of any tax relief will depend on your individual circumstances.
Check out our Junior ISA investment calculator
A Junior ISA is an investment in your child's future. Choose how much you'd like to put into one and see how much it might make.
1. Five ready-made funds
Find out about our five funds in more detail below.
2. Have you invested before?
Amount invested
£0
Likely return
£0
If your investment performs worse
£0
If your investment performs better
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These forecasts show what you could get back in different market conditions and aren’t a guarantee of a set return. The value of investments can fall as well as rise, and you may not get back the full amount you invest. More about your forecast.
How much does it cost to invest with us?
Your fees will be 0.55% of your investment or less
We get that figuring out investment costs can be tricky. Our dedicated costs and fees page will make it easy for you to know what you'll pay as a customer.
Junior ISA - Frequently asked questions
Ready to start?
To do this, you’ll need to be a Royal Bank customer with Digital Banking, aged 18 - 84 and a UK resident for tax purposes.
Things to know if you're new to investing
Curious about saving or investing? Find out what to consider before making your first investment move in our detailed guide.
Kids First Saver account
Looking for an instant access savings account? Our First Saver account is a free savings account held in trust by you for your kids until they turn 18 and money can be withdrawn at any time.
Account eligibility apply.
Your investments are protected
The Personal Portfolio Funds available through Royal Bank Invest are based in the UK and so are covered by the UK Financial Services Compensation Scheme (FSCS), up to a maximum of £85,000 per person.