{"id":2696,"date":"2021-05-23T09:13:20","date_gmt":"2021-05-23T09:13:20","guid":{"rendered":"http:\/\/ftcmail.co.uk\/page\/?page_id=2696"},"modified":"2025-04-04T21:47:18","modified_gmt":"2025-04-04T21:47:18","slug":"junior-isas","status":"publish","type":"page","link":"https:\/\/georgianapreda.co.uk\/ft4\/junior-isas\/","title":{"rendered":"Junior ISAS"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;main header section&#8221; _builder_version=&#8221;4.27.4&#8243; background_color=&#8221;#FFFFFF&#8221; positioning=&#8221;none&#8221; vertical_offset=&#8221;0px&#8221; z_index=&#8221;999&#8243; position_origin_a_tablet=&#8221;&#8221; position_origin_a_phone=&#8221;&#8221; position_origin_a_last_edited=&#8221;on|desktop&#8221; position_origin_f_tablet=&#8221;&#8221; position_origin_f_phone=&#8221;&#8221; position_origin_f_last_edited=&#8221;on|tablet&#8221; position_origin_r_tablet=&#8221;&#8221; position_origin_r_phone=&#8221;&#8221; 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text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;32px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;15px||||false|false&#8221; custom_margin_tablet=&#8221;8px||||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Independent Financial Advisers<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Almarai||||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;32px&#8221; text_orientation=&#8221;right&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;1px||||false|false&#8221; custom_margin_phone=&#8221;1px||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; 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_builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Junior ISAS<\/h1>\n<p>&nbsp;<\/p>\n<p>A Junior ISA is a tax-efficient way to save and invest on behalf of your child.<\/p>\n<p>Payments into a<span>\u00a0<\/span>Junior ISA<span>\u00a0<\/span>are different from adult ISAs, because the money you put in belongs to your child. Once you put money in, you can\u2019t take it out again, except in exceptional circumstances, and your child can only get access to their money when they turn 18.<\/p>\n<p>There are two types of Junior ISA:<\/p>\n<ul>\n<li><strong>Junior Cash ISAs<\/strong>: earn interest like a savings account. The interest rate is fixed and typically based on the rate set by the Bank of England.<\/li>\n<li><strong>Junior Stocks &amp; Shares ISAs<\/strong>: (Also known as Junior\u00a0Investment ISAs), these invest in financial markets with the aim of earning returns for investors that are greater than those you would get in a Junior Cash ISA. Returns are not guaranteed, and the value of your investments can go down as well as up.<\/li>\n<\/ul>\n<p>Your child can have one or both types of Junior ISA and you can deposit up to the annual limit of \u00a39,000 into them in any combination you like.<\/p>\n<p>For example, you could pay \u00a33,000 into a Junior Cash ISA and up to \u00a36,000 into a<span>\u00a0<\/span>Junior Stocks and Shares ISA, or vice versa. You can split the allowance however you want to between the two accounts.<\/p>\n<p>The benefit of a Junior ISA is that you or your child won\u2019t pay tax on any interest, returns or dividends they receive. \u00a0<\/p>\n<p><strong>The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.<\/strong><\/p>\n<p><strong>Tax treatment varies according to individual circumstances and is subject to change.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f2f2f2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/georgianapreda.co.uk\/ft4\/wp-content\/uploads\/2025\/04\/dice.png&#8221; title_text=&#8221;dice&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; transform_scale=&#8221;136%|136%&#8221; width=&#8221;100%&#8221; custom_margin=&#8221;|0px||0px|false|true&#8221; custom_padding=&#8221;|0px||0px|false|true&#8221; global_module=&#8221;2501&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;17px&#8221; custom_margin=&#8221;||12px|||&#8221; custom_padding=&#8221;|24px||24px|false|true&#8221; global_module=&#8221;2502&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Need help? Get in touch with us today, we love to hear from clients old and new.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px|25px||25px|false|true&#8221; global_module=&#8221;2505&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Call us on <strong>123456789<\/strong><\/p>\n<p>Visit us at <b>your address<\/b><\/p>\n<p>&#8230;.. or simply complete the enquiry form below.<\/p>\n<p>[\/et_pb_text][et_pb_contact_form captcha=&#8221;off&#8221; email=&#8221;info@pageandpage.co.uk&#8221; custom_message=&#8221;The following message has been submitted through your website.||et_pb_line_break_holder||||et_pb_line_break_holder||%%Name%%||et_pb_line_break_holder||%%Email%%||et_pb_line_break_holder||%%Phone%%||et_pb_line_break_holder||%%Message%%||et_pb_line_break_holder||%%marketing%%&#8221; success_message=&#8221;Thank you for contacting us, we will be in touch very soon.&#8221; 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A Junior ISA is a tax-efficient way to save and invest on behalf of your child. Payments into a\u00a0Junior ISA\u00a0are different from adult ISAs, because the money you put in belongs to your child. Once you put money in, you can\u2019t take it out again, except in exceptional circumstances, and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template-blank.php","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-2696","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/georgianapreda.co.uk\/ft4\/wp-json\/wp\/v2\/pages\/2696","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/georgianapreda.co.uk\/ft4\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/georgianapreda.co.uk\/ft4\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/georgianapreda.co.uk\/ft4\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/georgianapreda.co.uk\/ft4\/wp-json\/wp\/v2\/comments?post=2696"}],"version-history":[{"count":8,"href":"https:\/\/georgianapreda.co.uk\/ft4\/wp-json\/wp\/v2\/pages\/2696\/revisions"}],"predecessor-version":[{"id":4189,"href":"https:\/\/georgianapreda.co.uk\/ft4\/wp-json\/wp\/v2\/pages\/2696\/revisions\/4189"}],"wp:attachment":[{"href":"https:\/\/georgianapreda.co.uk\/ft4\/wp-json\/wp\/v2\/media?parent=2696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}