All I want for Christmas is… a Junior ISA

Junior ISAs have grown steadily in popularity since the launch of the earlier iteration, Child Trust Funds.

Nowadays, parents and guardians can set up a JISA for their children under the age of 18, to which anyone can contribute (including grandparents, other relatives and friends) up to a total maximum payment of £9,000 each tax year, per child. Of course, with Junior ISAs being part of the ISA family, they are tax-free in every respect.

While cash JISAs, just like cash ISAs exist, greater potential long term value is more likely to be achieved via a risk-based JISA, which can invest in funds just like those that you may hold in your investment or pension.

Bowmore Junior ISAs

We are delighted that Bowmore Asset Management can offer simplified access to JISA investments.

The JISA they offer utilises the same 7 risk-adjusted portfolios used by Bowmore, invested in their Environmental, Social and Governance (ESG) portfolios.

The plans are offered on a “non-advised” basis, with the result that there are no upfront fees or charges and are very simple to set up.

How do I invest?

The account must be set up by the child’s parent/guardian, who will also then select the level of risk for the portfolio, based on their 1-7 scale.  Once established, investment into the portfolio is a very straightforward online process.


JISAs are exempt from UK income tax and capital gains tax and convert automatically to an adult ISA at the age of 18.

Risk Warnings

  • Bowmore Financial Planning Ltd and Bowmore Asset Management Ltd are authorised and regulated by the FCA.
  • The tax treatment of certain products depends on the individual circumstances of each client and may be subject to change in future.
  • Past performance is no guarantee of future returns.
  • Investment values, and the value of any income generated, may go down as well as up and you may not get back the full amount invested.
  • Some investments e.g. property may not be readily realisable and will be subject to market conditions at that time.
  • If growth is low, charges may eat into the capital invested.
  • Please note that any money invested on someone else’s benefit (such as a grandchild’s), is treated as a gift. Some gifts are (or may become) free or exempt from inheritance tax, others may be subject to it. Remember tax rules can change over time, and the value of benefits will depend on the child’s circumstances.