CT Junior ISA

What is a Stocks and Shares Junior ISA?

A Stocks and Shares Junior ISA allows you to invest tax-efficiently for the child in your life with a current annual limit of £9,000 for the 2022/23 tax year. A Junior ISA is an account that acts as a wrapper to hold a range of different investments. The right Junior ISA for you depends on your goals and your attitude towards risk.

The CT JISA lets you tap into the potential of the stock market and the skills of our fund managers to potentially help your child with those future problems, such as university fees, a house deposit or that dream trip around the world.

Why choose a CT Junior ISA?

Find out more about choosing a Stocks and Shares Junior ISA from Columbia Threadneedle by visiting the pages linked below.

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Benefit from our expertise

We can trace our investment roots back to 1868, when F&C Investment Trust, the world’s oldest collective investment fund launched, and have been adding to our offering ever since.
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Investment trust options

Whether you’re looking for growth or income, join over 100,000 UK Investors and create an investment portfolio that meets your families needs, with our 10 Investment Trusts.
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Award-winning Junior ISA

Online Personal Wealth Awards 2020 – Best Junior ISA Provider
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Responsible Investment

For over 35 years, we have led the way in responsible investment. We’ve engaged with over 5,500 companies to ensure that generating returns for our investors does not come at the expense of the real world in which we all live.

Let's talk about risk

Like all investments, our Stocks and Shares Junior ISA comes with a level of risk. Because the money in the account is invested in stocks and shares, the value of your investments can both rise and fall. That means your child might get back less than you originally put in. A Junior ISA account is available to any child under the age of 18 who lives in the UK, unless they have a Child Trust Fund – in which case, they won’t be eligible.

Remember, a Junior ISA belongs to the child. Only they can withdraw the funds when they turn 18, so consider this savings product a long-term investment. Be aware that tax rules may change in the future, and tax treatment depends on your child’s individual circumstances.

A cost effective way to invest

  • Invest up to a maximum of £9,000 in the 2022/23 tax year.
  • Invest from as little as £25 per month, with no dealing charges on investments made by a monthly direct debit.
  • You can also make one-off contributions from £100. Investment instructions can be made online without any dealing charges. If you need to send instructions via post, there will be a £12 charge for each fund selected.
  • There’s an annual charge of £25 + VAT for the CT JISA and Government stamp duty of 0.5% applies on purchases of UK shares.
  • Friends and family can gift money to your child’s account too – whether they are grandparents, godparents, or friends.
Make sure you read the pre-sales costs disclosure before you invest. You will need to sign a declaration on our forms that confirm you have read it.
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Invest in a CT JISA through our 10 investment trusts

A Columbia Threadneedle Stocks and Shares Junior ISA allows you to choose from a diverse range of investment trusts. These trusts offer you different ways to invest, such as in equities, bonds, property, and private equity. Choosing a mixture of these trusts enables you to spread your investments and potentially minimise risk.

Each trust operates differently. You can pick options that focus on capital growth, income, or both. Some invest in the UK, while others take a global approach.

Please see the Key Information Documents (KIDs) for further details on the risks for each trust. View the latest performance of our Investment Trusts.

How can I open a CT JISA?

Investing in a CT Junior ISA is straightforward.

Choose the Investment Trust(s) that best suits your investment needs and finally, decide how much to invest. Please make sure you read the Key Features and Terms & Conditions, the relevant Key Information Document and Pre-Sales Disclosure documents.

Our Investor Portal is the quickest and most cost-effective way to invest. You can set-up a monthly direct debit or invest a lump sum using your debit card. Alternatively, you can download an application form and send it into us.

How can I transfer my Junior ISA to Columbia Threadneedle?

Switching your Junior ISA to us is easy, all you need to do is complete a transfer form and we will take care of the rest. The process can take between four and six weeks.

If you’re looking to transfer money you’ve invested in an Junior ISA during the current year, you must transfer all of it. For investments you’ve made in previous years, you can transfer some or all your savings.

It’s important that you do this because, if you make a withdrawal from your Junior ISA without following this procedure, you will not be allowed to reinvest that amount of your tax-free allowance again.

Our Stocks & Shares CT JISA

What is a Stocks and Shares Junior ISA? A Stocks and Shares Junior ISA is a popular tax-efficient investment account for the child in your life.

It provides both the opportunity to invest in the stock market and to tailor your Junior ISA to your needs through access to our range of investment trusts and the skills of our fund managers, making it ideal to give the child as much of a head start as possible to help pay for things like university fees, a car or a deposit on their first home.

Plus, the whole family can chip into the pot to help it grow until the child can access the investment at 18.

The Junior ISA “the tax-efficient, anyone can chip in, keep the kids’ hands off it until they’re old enough” investment plan.

More information

The Key Features gives full details about how the CT JISA works and you should read this before investing.  However, here are the answers to some questions you may have if you are considering opening a CT JISA.

Can my child have a Junior ISA?
My child has a Child Trust Fund (CTF), can they also have a Junior ISA?
How can other people make contributions into the Junior ISA?
Who has control over the account?
Can I make withdrawals from the Junior ISA?

Got questions about the CT Junior ISA?

Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.