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Are you saving for your child’s future?

Are you saving for your child’s future?

As a parent so much time is absorbed by everyday activities from working, playing, cooking and bedtime routines. Days just roll into one and before you know it another week has gone by.

Researching the best option for your child’s savings isn’t always at the top of the priority list and a general trend is to open a child’s savings account that is attached to the parent’s bank. But what is the right option: cash or investment? If you open the account from birth you have 18 years to save until your child reaches adulthood.

Investment can be a scary subject, it involves your hard-earned savings and contains a degree of risk and complexity. It can be a daunting task, however there are several tips that can help everyone to make smarter investment decisions and help you find the right investment for you.

The Children’s ISA – Top Tips!

1. Don’t put all your eggs in one basket
When investing in stocks and shares make sure that you have a good spread of investments as it is the best way to spread your risks. This is called diversifying. It is also key to remember that not all types of investments move in the same direction at the same time.

2. Time & Time again
Markets are volatile so one way to invest is to drip-feed your money into the market over a period of time. Setting up a direct debit and making regular contributions into the Children’s ISA is a good way to invest particularly if you are risk adverse, as it slowly adds your money to the market, smoothing the up and downs of your investment. However, don’t forget who you are investing for, less risk generally means less return in the long run.

3. Stay off the road to nowhere
Start with the end in mind. Unless you know what you are aiming at, how will you know whether you are on track? It is no different with investment. It is important to understand your goals, the amount of risk you are prepared to take and how long you have to invest for before you set off.

The Children’s ISA are a Junior ISA provider who make saving for your children and grandchildren easier to understand with a fantastic range of investment options.

Junior ISA the fast facts and things you need to know:

Just like an ISA each child has a tax-free savings allowance that can be utilised for them for the tax year. This tax year 2019/2020 which ends on 5th April, the Junior ISA allowance is £4,368.

Any UK resident child under 18 is eligible for a Junior ISA. If your child was born between September 2002 and the 2nd January 2011 will have a Child Trust Fund. If your child holds a Child Trust Fund they will have to transfer this into a Junior ISA for them to become eligible.

Any parent or guardian can open a Junior ISA and anyone can make contributions into it. You can open a Junior ISA with the Children’s ISA with a minimum investment of £10 quickly and easily on the Children’s ISA online application.

For more information on Stocks & Shares Junior ISAs please visit Or if you are coming to the Manchester Show at EventCity stop by our stand and have a chat we would love to see you!

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