Watch your children’s money grow as they do
Watch your children’s money grow as they do
Do more than save. Use a Junior Stocks and Shares ISA to invest for a brighter future.
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Why start an 
Junior ISA?
Give your child the tax benefits you enjoy in your own ISA and feel the comfort that their money can’t be touched until they turn 18.
Add up to £9k each tax year and any returns are protected from income or capital gains tax.
They can’t access their money until they’re 18, so their savings are ready for college or their first car.
Invest in our Targeted range of portfolios to know their money is supporting positive change.
Already started a Junior ISA or Child Trust Fund elsewhere? No problem. We’ll transfer for you.
&me consultants on your side
Your &me consultant is always on hand to help at no extra cost.
Powered by M&G Wealth
&me is powered by a range of M&G Wealth managed portfolios, meaning you benefit from a lifetime of expertise.
Their future
With no commitment to invest, see how &me could grow your money and help you feel invested.
With investment, your capital is at risk.
Tax treatment depends on your individual circumstances and may change in the future.
Share with friends and family
While toys and sweets will always be a popular gift, allowing others to add to your Junior ISA lets them also contribute to your child’s future.
Simply share the Junior ISA details with others and they can easily add money as a gift. You can keep track of contributions through the app right alongside your own investments.
Easily transfer an existing Junior ISA
We’ve made it super simple to bring any Junior ISAs or Child Trust Funds together in one place.
Just let us know in the app that you want to transfer, share a few details, and we’ll talk with your existing providers. We’ll arrange for your existing account to be securely transferred to &me and we’ll never charge you a transfer fee*.
1. Download the &me app
2. Choose to start a Junior ISA
3. Select the transfer option
4. We’ll do the rest
* Please check with your existing provider if they’ll charge you any fees for transferring.
Unlock your
financial potential
For insights, tips and expert guidance on JISA investing, head over to the &me blog.
As your money grows, your fee % shrinks
Start investing with a minimum of £500.
Below are our competitive annual fees for managing your money.
Invested amount
Management fee
Up to £10,000
0.75%
£10,000 to £20,000
0.70%
£20,000 to £50,000
0.65%
£50,000 to £100,000
0.60%
£100,000 to £250,000
0.45%
£250,000 to £500,000
0.40%
£500,000+
0.35%
The &me Classic portfolios are a lower-cost way to invest with &me. Our passive portfolios invest in equities and bonds across different regions such as US equities and UK corporate bonds and also hold some cash. Investment experts from M&G Wealth decide which investments to use and how much to invest in each asset class on your behalf, based on a range of factors including the potential to generate long-term returns for investors.
Below are the rest of the fees for our Classic portfolios. We invest your money in many different funds. These funds charge fees. We try to keep these fees as low as we can on your behalf. The cost of buying an asset is usually more than the price you can sell it for. The difference in these two prices is called the market spread. We include this information here to give you a clear idea of the total fees you pay when you invest. There is no market spread fee on the Targeted portfolio range.
For example, if you invest £20,000 you’ll pay:
| Annual | Monthly | |
|---|---|---|
| &me Management Fees | 0.65% | £10.83 |
| Investment Fund Fees | 0.19% | £3.17 |
| Market Spread | Up to 0.04% | £0.67 |
| Total | Up to 0.88% | £14.67 |
The &me Targeted portfolios invest in a blend of active and passive funds. Our actively-managed portfolios invest in equities, bonds and ‘alternatives’ (like investments in infrastructure) and also hold some cash. Being actively managed means the investment experts from M&G Wealth continually review a range of factors like the analysis, performance and global trends so they can make ongoing decisions about where to invest, and find new opportunities with the potential to deliver long-term growth for investors. They’re designed for people who want to know their investments are creating a positive impact to society and the planet while they work to generate competitive returns.
Below are the rest of the fees for our Targeted portfolios.
We invest your money in many different funds. These funds charge fees. We try to keep these fees as low as we can on your behalf.
For example, if you invest £20,000 you’ll pay:
| Annual | Monthly | |
|---|---|---|
| &me Management Fees | 0.65% | £10.83 |
| Investment Fund Fees | 0.42% | £7.00 |
| Total | 1.07% | £17.83 |
More information about Junior ISAs
If you still have questions, get in touch and we’ll be happy to help.
You can invest up to £9,000 in our Junior ISA during the tax year, which runs from April 6 to April 5 each year.
We ask that you start with a minimum of £500 and a maximum of £9,000. You can add amounts of £100 or more to any further contributions as long as you don’t add more than £9,000 in total during the same tax year.
Yes, the minimum initial investment required is £500. Any additional re-deposits must be at least £100. This will allow us to diversify the portfolio more effectively and keep it better invested for your child’s future.
When you set up an &me Junior ISA on behalf of a child, you’ll be given an account number. This can then be shared with friends or family (along with a couple of other details) so they can transfer money directly.
Any money contained in your child’s Junior ISA will be locked away until they turn 18. At this point, they can then withdraw or continue investing their money for the future.
When your child turns 18 any money in the account will continue to be invested and any gains made will still be tax-free. However, no further money can be added to their Junior ISA.
As your child will now be legally classed as an adult, they will become eligible for their own Stocks and Shares ISA. This will allow them to benefit from additional tax allowances compared to their Junior ISA.
To move the money from their Junior ISA to Stocks and Shares ISA, they will simply need to:
– Download the &me app
– Follow the on-screen guidance to open a Stocks and Shares ISA
Once the Stocks and Shares ISA has been set up and they have chosen the investments that suit them, they’ll be able to add the funds from their Junior ISA.
Yes you can.
A Junior ISA can only be opened for a child by their parents, grandparents, or other legal guardians. However, anyone can contribute money to a Junior ISA once it has been set up.
Start investing with 
With no commitment to invest, see how &me could grow your money and help you feel invested.
With investment, your capital is at risk and you may get less than what you invested.
Tax treatment depends on your individual circumstances and may change in the future.
