• How to Invest

    Open an F&C Savings Plan

    Call: 0800 136 420

    Invest in a JISA here

    The value of your investments can go down as well as up, and you may not get back what you originally invested.

  • Give your child a financial head start from as little as £1 a day

    The F&C Junior ISA offers families a tax-efficient product specifically designed for children. Whether you want to help with a deposit for their first home, university fees or a savings pot, each little bit you put aside now could go a long way towards their future. 
    If a child already has a Child Trust Fund (CTF), they cannot also have a Junior ISA. They are however able to transfer a Child Trust Fund into a Junior ISA. Your JISA allowance is as follows:

    Tax Year 2018/19

  • Potential Benefits

     The F&C Junior ISA offers a number of benefits to help you give your child the financial head start in life they deserve.

    • Invest from as little as £1 per day – you can build a nest egg for your child by saving from as little as £30 per month, that’s less than £1 a day. Alternatively invest a lump sum of £250 (after an initial first investment of £500).  So you can top up your child's account in the way that best suits you.
    • Access to our select range of 10 investment trusts - our investment trusts invest in a range of asset types including; equities, bonds, property and private equity, both in the UK and globally. These investment trusts all benefit from the skills and expertise of our team of fund managers. Click here to find out which trusts could be right for you.
    • All the family can participate - Grandparents, godparents, friends and relatives can all contribute to your little one's savings pot. Great for birthday or Christmas gifts.
    • Tax-efficient savings - Neither you nor your child will pay tax on income or capital gains in the F&C Junior ISA so your child can make more of the money you've saved. The annual subscription limit for 2018/19 is £4,260.
    • Long-term potential of stock market investing – take advantage of the benefits that investing in the stock market can offer. Whilst capital isn't guaranteed as it is in a cash account, historically equities have significantly outperformed cash over the long term.


    What will this cost me?

      • Annual charge -  £25 + VAT
      • Dealing charges per holding for postal instructions - £12 and £8 per holding for online instructions. These charges do not apply to the reinvestment of dividends and/or monthly installments.
      • Government stamp duty of 0.5% also applies on purchases of UK shares only.

    Please ensure that you also read the pre-sales costs disclosure prior to investing as you will need to sign a declaration on our forms that confirms you have read this. These can be found on our website at fandc.com/literature

    Risks to take into consideration

    • Price volatility - the value of shares and the income from them is not guaranteed and can fall as well as rise due to stock market movements. When you sell your shares, you might get back less than you originally invested.
    • Exchange rate risk - changes in the rates of exchange between currencies may have an adverse effect on the value, price or income of investments.
    • Gearing - investment trusts can borrow money (gearing), which can then be used to make further investments. They can also invest in instruments such as warrants or derivatives, where a small movement in the value or price of the underlying right or asset results in a larger movement in the value or price of the instrument. In a rising market, this ‘gearing’ can enhance returns to shareholders. Correspondingly, if the market falls, losses may be greater.
    • Insufficient income - where the income earned by an investment trust is insufficient to cover its charges and expenses, the balance may be charged to capital, which will to that extent, constrain capital growth.
    • Investment needs - if you start an investment in order to fund a specific need, for example to pay school fees, if you then do not maintain your contributions or your investment does not grow sufficiently, you may not achieve your target. If you have any doubts about the suitability of this investment, please consult your financial adviser.


    Getting Started

    Investing in the Junior ISA is quick and straightforward. You can apply online in minutes or simply complete an F&C Junior ISA application form.

    • Choose your investment trusts - Decide which of our investment trusts you’d like to invest into.
    • Decide on how much you want to invest -You can invest monthly, in lump sums or a combination of both.
    • Make sure you’re happy to go ahead - Read the Key Features and Terms & Conditions for our products - make sure that you understand them including any charges that apply to the products and are happy to go ahead.


    Transferring your Child Trust Fund to F&C

    Transfer your Child Trust Fund to an F&C Junior ISA - recent changes to the rules announced by the government, have made this possible. For more information please see the Questions and Answers document we've pulled together to help you understand the changes.

    If a child already has a Child Trust Fund, they cannot also have a Junior ISA.  They are however able to transfer a Child Trust Fund into a Junior ISA.


    What is the difference between a Junior ISA and a Child Trust Fund?

    1. What is a Junior ISA?
      Junior ISAs were introduced in 2011, following the closure of the Child Trust Fund (CTF) Scheme. Up to £4,260 per year can be invested into a Junior ISA without tax being paid on any interest or gains.
    2. Who is eligible for a Junior ISA?
      All children under the age of 18 that did not qualify for a CTF can open a new Junior ISA and savers with an existing CTF can now transfer this to a Junior ISA.
    3. Do I need to transfer my CTF to a Junior ISA?
      No, you do not have to, but you are free to transfer your CTF savings to a Junior ISA.
    4. How will this change impact my existing CTF?
      Existing CTFs remain unaffected and you can continue to save as usual if you choose not to transfer to a Junior ISA. If you do decide to transfer, please be aware that the F&C FTSE All-Share Tracker Fund will no longer be available to our stakeholder customers as this fund is not available within the F&C Junior ISA.
    5. What's the difference between the F&C CTF and a F&C Junior ISA?
    6.  Junior ISAChild Trust Fund
      Who is eligibleChildren born before September 2002 and from 3 January 2011or existing Child Trust Fund holdersChildren born 1 September 2002 to 2 January 2011
      Government contributionNoYes
      Maximum investment limit£4,260 for 2018/19 tax year£4,260 for 2018/19 birthday year
      Types of accountsStocks and SharesStakeholder or Shares
      Withdrawals permittedNoNo
      Set up in the child's nameYesYes
      Family contributions availableYesYes
      When can the money be accessedOn child's 18th birthdayOn child's 18th birthday
      What happens to the account at age 18Converts to an adult ISA and can continue to remain invested

      Converts to an adult ISA and can continue to remain invested

    7. Can I invest in both?
      No you are unable to hold both accounts for the same child.
    8. Can I access the money paid into a Junior ISA?
      No, the account is set up for the child. As with the CTF, only they can access the money and only after they turn 18.
    9. What happens when my child reaches age 18?
      The Junior ISA and CTF both transfer into an adult ISA in the child's name, so they can keep saving if they wish.
    10. If i transfer, will I lose my initial government CTF voucher?
      No you will be able to transfer the amount in your CTF account to a Junior ISA.

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Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.

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