Best Junior Stocks and Shares ISA 2025?

blowzy · 6 October at 4:35PM

I’m looking to open a Junior Investment ISA using funds from an existing Child Trust Fund (CTF). I’m relatively new to this area, but I want to make sure my child has the best possible start in life. My child will be turning 18 in around 4–5 years.

I’m not a financial expert, so ideally, I’m looking for a simple, “set and forget” option that can grow well over time. I’ve heard that Hargreaves Lansdown doesn’t charge fees for Junior ISAs—does that mean I’d need to choose my own investments, or can a professional manage this on my behalf?

Thank you in advance for any advice, and please let me know if you need any more details.

Albermarle · 6 October at 4:47PM

Hargreaves Lansdown and Fidelity charge no platform fees for a JISA, but yes you have to choose the investments.
Professional advice is really only suitable for larger funds, as it is too expensive for smaller ones.
In any case few advisors would be interested in anything less than £50K, or even £100K.

However it is not necessary to be a financial expert to pick investments nowadays. There are many low cost ready made /multi asset funds that would suit your purpose. In any case with only 4 or 5 years to go, you might be better off/more secure in a savings JISA. Investments are best held for longer periods.

blowzy · 6 October at 4:54PM

Albermarle said:

Hargreaves Lansdown and Fidelity charge no platform fees for a JISA, but yes you have to choose the investments.
Professional advice is really only suitable for larger funds, as it is too expensive for smaller ones.
In any case few advisors would be interested in anything less than £50K, or even £100K.

However it is not necessary to be a financial expert to pick investments nowadays. There are many low cost ready made /multi asset funds that would suit your purpose. In any case with only 4 or 5 years to go, you might be better off/more secure in a savings JISA. Investments are best held for longer periods.

thanks for your comment. My child already has a saving account for the immediate future, I want to get him started on investing early, for later life 10-15 years later. Likely this JISA will be converted into an Adult ISA. What multi assets funds would you recommend, ideally a medium-long hold. Thanks again!

Albermarle · 6 October at 6:32PM

Two popular ranges are ;
Vanguard LifeStrategy and HSBC Global Strategy.

Both offer a range of about five.
The ones with a low equity ( shares) % are referred to as Cautious and those with a High % as Adventurous ( or something like that.

Both are available on the HL and Fidelity platforms. In fact the latter has its own low cost multi asset funds. ( Fidelity multi asset allocator.

Fees for all of them are around 0.2%