Junior ISA

Help build a nest egg for your child's future by saving for them tax efficiently, from just £10 a month

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Fund performance

Why us?

Targeting smooth, long-term growth for your child's money

Our stocks and shares Junior ISA is built around simplicity for you, and aiming to increase the value of the money invested for your child through the addition of annual bonuses.

We have one fund which targets smooth long-term growth, and is invested in a responsible and sensible manner, to try to achieve the best returns possible.

Apply online Transfer to our Junior ISA

Where do we invest?

The fund that we invest in is known as our With-Profits fund, but within this there are a variety of commodities.

UK And overseas company shares

Investing in company shares helps us to aim for higher growth, but also carries an increased risk factor.


Property, considered a safer investment than shares, carries less of a risk but also offers good growth potential.

Government and company bonds

Bonds carry far less risk than property or shares, but don’t offer the same potential for growth either.


Deposits are cash savings that carry the lowest risk level, but also offer the lowest potential growth.

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In normal market conditions, it's likely that the majority of your money would be invested within shares and property, as these have the means to provide your investment with the most growth. However, the fund is actively managed meaning that our fund manager may move your money into safer commodities when market or external factors threaten investment conditions.

Will the value rise and fall?

Our Junior ISA is invested in manner that means your child’s money is less affected by short-term stock market fluctuations, so will not lose or gain value on a day-to-day basis. Instead, we’ll aim to add an annual bonus at the end of each year, the value of which will depend on the performance of the fund during that year.

How has our Junior ISA performed?

Below you can see the previous performance of our Junior ISA over the last five years.

ISA Bonus Graph

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This chart shows bonuses paid to our Junior ISA members after all charges have been deducted, and is the actual return received. Please remember that past performance is not a guide to how your ISA could perform in the future, and we may not pay a bonus in years when performance is particularly poor.

What's the risk?

All investments carry a level of risk. Our Junior ISA carries an investment risk rating of medium to low.

ISA Risk
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The reason that we have a risk rating at the lower end of the scale is that we apply a process known as smoothing to your child’s investment. In doing this we hold onto some of the profit in strong investment conditions, so that when conditions are not as favourable we can still aim to pay a bonus into your child’s plan. This also means that your child’s money is protected from short-term stock market volatility, which could reduce the value of their fund. You should remember though that your capital is at risk.

Bonuses explained

Where possible, we’ll add bonuses to your child’s Junior ISA that will help to boost the value of their savings, and will be worked out as a percentage of the value of their entire fund. There are two types of applicable bonus.

Annual Bonus

We aim to pay this bonus once a year, for the duration of your investment. The level of bonus can go up and down each year, and there is no guarantee we'll pay one.

Final Bonus

This bonus may be paid once your child’s Junior ISA matures, when they reach age 18. Again, the final bonus is subject to investment conditions and we may not pay one.

Free shopping voucher when you take out a plan

Love 2 Shop Love 2 Shop

Apply for a Junior ISA and we’ll send you a Love2Shop voucher code
worth up to £50 when you’ve made your first payment.

Apply for a Junior ISA and we’ll send you a Love2Shop voucher code
worth up to £55 when you’ve made your third payment.

Click here for terms and conditions.

Need more information?

You can use the tabs at the top of this page to find out more about the plan. We also have a handy infographic that helps to explain more.

If you still have questions about the plan then we’ve put together a useful list of FAQ’s.

Otherwise, please feel free to get in touch with our Customer Service team who will be happy to answer any questions you have or to run through the application with you.

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0800 526 249

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You can call us any time between 9am - 5pm Monday to Thursday or 9am - 4pm Friday.

Ready to get started?

Before you start your application, please make sure that you have read and understand the following documents:

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Important things to consider

  • Past performance cannot be taken as a guarantee of future returns.
  • The value of the JISA depends on the future performance of the investments held in the fund and the bonuses we distribute from any profits arising from these investments.
  • HM Revenue and Customs may change the tax status of a Junior ISA in the future.
  • Inflation may affect the purchasing value of the investment in the future.
  • The money invested into a Junior ISA cannot be withdrawn early; it can only be withdrawn by the child when they reach the age of 18 years old.
  • If you transfer the plan to another provider during the term of the plan, or if you leave the money invested for more than three months after the child's 18th birthday, then we may apply a market value reduction if investment returns have been poor. In this event your child could get back less than you have paid in. Your capital is at risk.

When you take out an investment product with us your capital is at risk and you may get back less than you have put in. All references to taxation are to UK taxation and are based on Shepherds Friendly Society's understanding of current legislation and H M Revenue and Customs practice which may change in the future. Investment growth is by means of bonuses, the amount of which cannot be guaranteed throughout the term of the contract. Please ensure that you read the full terms and conditions of this plan which are available from your financial adviser or by contacting us directly.

No advice has been given by Shepherds Friendly, and if you are in any doubt as to whether a savings plan is suited to your needs, then you should contact a financial adviser. There may be a charge for financial advice, and the cost should be confirmed to you before any advice is given.