Help give your kids a flying start in adult life
The Stocks & Shares Junior ISA is linked to shares so the value of the account could fall as well as rise. Your child may get back less than has been invested.
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 funds in the NatWest Stocks & Shares Junior ISA account are in the name of your child - but they can't withdraw any funds until they reach the age of 18. We only offer a Stocks and Shares Junior ISA for children under 16. It is an investment and should typically be held for the long term, i.e. minimum of 5 years. The person applying on behalf of the child must be aged 16 or over.
The benefits of a Stocks & Shares Junior ISA
A Junior ISA is a great option if:
You’re good at waiting
You don't mind risk
You don’t need 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?
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Before you continue with your application
It's important to us that you make the right investment decision to meet your needs.
Important Documents
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.
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