Stocks & Shares Junior ISA

Help give your kids a flying start in adult life

Help give your kids a flying start in adult life

Most 18-year-olds can only dream of saving towards a house deposit, or being able to leave university debt free. With a Stocks & Shares Junior ISA, we could help make those dreams a reality. Start investing little and often and build for the future.

The benefits of a Stocks & Shares Junior ISA

Why choose a Stocks and Shares Junior ISA

Potential higher returns

The NatWest Stocks & Shares Junior ISA invests in stocks and shares and offers the potential for better returns than a Junior Cash ISA over the long term if you are prepared to take some risks with your money over the long term (5 years or more).

Transparent pricing & tax efficient

There are no up-front charges for opening a Stocks & Shares Junior ISA, you'll just pay an ongoing charge capped at 1.5% per year which is used to run the fund. Remember, any growth in the value of your investment is tax free from UK tax.

Easy to open an account and top up

To open an account, you'll need a lump sum of £250 or to set up a £20 per month direct debit. After that, you and your family can top up from £1 up to £4,368 this tax year.

A Junior ISA is a great option if:

You’re good at waiting

If you play the long game, there’s the potential your child will reap the rewards. It’s important to note, as this is an investment the value can go down as well as up and you may get back less than what you put in.

You don't mind risk

There is a medium-level of risk. If you wish to reduce risk, you can choose to save in a Junior Cash ISA. NatWest does not currently offer a Junior Cash ISA, so you’ll have to approach another provider that does.

You don’t need access

The money has to stay in the account until your child hits 18. On their 18th birthday, the Stocks & Shares Junior ISA will automatically rollover into an adult Stocks and Shares ISA, at which point they will have access.

What other people ask us:

No. You will not receive any vouchers from the Government.

Every six months we will send you a statement confirming the value of the investment and how it has performed.

Alternatively the fund prices are published daily in the Financial Times, or you can also go online to NatWest.com to see the fund price at any time.

The money will be invested into the Stakeholder Fund, which is an investment fund that invests in equities, bonds and cash. This spread of assets aims to smooth out fluctuations in the share price as the markets rise and fall; however you should note that there is a risk to investing in this fund, and your child could lose money.

The Stakeholder Fund is a Balanced Managed fund. There is a greater level of risk investing in this fund than in a Junior Cash ISA, but a lower level of risk than investing directly in shares.  

The money must remain in the account until your child reaches the age of 18. At that age, your child is free to withdraw the money or continue to invest. The Stocks and Shares Junior ISA will automatically roll over into an Adult Stakeholder Stocks and Shares ISA and we will contact the child to confirm whether they wish to withdraw the account or continue to remain within the adult ISA. When your child turns 16, they also have the option to open a Cash ISA or a Help to Buy ISA.

No. You are unable to take out any of the investment from the Junior ISA.

When your child is 16 years of age they can manage the account, however they are unable to withdraw any funds until they reach 18.

Yes, you have the right to change your mind within 14 days of setting up the investment. You will receive back the market value of your investment at the time you cancel, or the original investment, which ever is the lower.

You can either call us to top up by debit card, amend an existing direct debit on:

NatWest: 0345 603 4047
Minicom: 0800 404 6161

or alternatively send us a cheque to: NatWest, PO BOX 1188, The Grange, Cheltenham, GL50 9UE clearly stating the account reference and child's name to which the payment applies. 

 

 

 

Ready to apply or transfer a child trust fund?

Great, let's get started, tell us what you want to do...

Before you continue with your application

It's important to us that you make the right investment decision to meet your needs.

Important Documents

Please read these documents carefully as they contain all the information you need to be aware of before you open your account. You should print and/or save a copy for your records:

Important Information

Please note that you are not receiving any advice from NatWest on the Stocks and Shares Junior ISA, and if you are unsure that this is the right investment for your child, you should consider seeking financial advice from an Independent Financial Advisor. 

Are you ready to continue?

Great. Let's get your application started.

Before you continue your application

It's important to us that you make the right investment decision to meet your needs. 

Important Information

Please read these documents carefully as they contain all the information you need to be aware of before you open your account. You should print and/or save a copy for your records:

Are you ready to continue?

Great, you are ready to go!

If you would like to go ahead with the transfer, please print and complete the form below and send it to NatWest, PO BOX 1188, The Grange, Cheltenham, GL50 9UE. Alternatively, if you would like the form to be sent to you by post or have any questions, please call our Junior ISA team on 0345 603 4047. The lines are open: Monday to Friday 9am - 6pm (excluding bank holidays). Calls may be recorded.

Something else we can help you with?