A Junior Stocks & Shares ISA (JISA) is a government-approved savings and investment account designed to help parents, guardians, and families invest for a child’s future in a tax-efficient way. All income, growth, and capital gains within a JISA are free from UK tax, ensuring every pound remains invested for maximum long-term compounding.
The current annual allowance for 2025/26 is £9,000, which can be invested entirely in a Junior Stocks & Shares ISA, a Junior Cash ISA, or split between the two. Funds cannot be withdrawn until the child turns 18, at which point the JISA automatically converts into an adult ISA.
Key Benefits:
- Complete tax exemption — no UK income or capital gains tax.
- Long-term growth — the locked-in nature maximises compounding potential.
- Flexible contributions — lump sums or regular deposits from parents, grandparents, and others.
- Estate planning — gifts may fall within inheritance tax allowances.
JISAs are an effective way to provide a meaningful financial foundation for major life milestones such as university, property purchases, or early wealth building. They also offer an opportunity to instil financial literacy by involving children in investment conversations as they grow older.
At Tacit, we specialise in Stocks & Shares JISAs, avoiding Cash JISAs to focus on the long-term return potential of professionally managed investments. Assets are securely held with AJ Bell Securities Ltd, one of the UK’s largest custodians, ensuring strong protection and specialist administration.
Download the full guide to explore eligibility rules, investment options, tax benefits, and how a JISA could play a role in your family’s wealth plan.
