CT Junior ISA
Tax efficient savings for your child
A Junior Individual Savings Account (JISA) is an account that acts as a wrapper to hold savings or investments for children aged under 18. JISAs allows you to invest up to £9,000 in the 2025/26 tax year, with no tax on any growth or dividends paid. At Columbia Threadneedle, we offer a stocks and shares ISA.
The CT Junior ISA (CT JISA) lets you tap into the potential of the stock market and the skills of our fund managers to potentially help your child with those future goals, such as university fees, a deposit on their first home or that dream trip around the world.
CT Savings Plans can help longer-term investors that intend to keep their money invested for at least five years. The opening investment amount of £1,000 for a CT JISA helps ensure investors with smaller sums to invest can get value for money and reduces the risk they receive a poor financial outcome.
Reasons to choose Columbia Threadneedle for a CT Junior ISA
No online dealing charges
Benefit from our expertise
Responsible investing
Cost-effective investing
Getting started is easy
3 steps toward
your goals
Choose a savings plan
Choose your strategy
Invest in your future
Let's talk about risk
Like all investments, our Stocks and Shares Junior ISA comes with a level of risk. Because the money in the account is invested in stocks and shares, the value of your investments can both rise and fall. That means your child might get back less than you originally put in. A Junior ISA account is available to any child under the age of 18 who lives in the UK, unless they have a Child Trust Fund – in which case, they won’t be eligible. Remember, a Junior ISA belongs to the child. Only they can withdraw the funds when they turn 18, so consider this savings product a long-term investment. Be aware that tax rules may change in the future, and tax treatment depends on your child’s individual circumstances.
A cost-effective way to invest
Invest up to £9,000 in the 2025/26 tax year. Our CT JISA features a flat annual fee of £25 + VAT (£30), regardless of how much you invest. A Government stamp duty of 0.5% applies on the purchase of UK shares.
You can start investing in a CT JISA with an opening investment amount of £1,000. Once you have deposited the opening investment amount, a Direct Debit can be arranged from as little as £25 a month. You can also make one-off investments at your convenience from £100.
There are no dealing charges payable for Direct Debits or online one-off contributions, sales, and switches. If you send instructions in the post, there is a £12 charge for each fund selected.
Friends and family can gift money to your child’s account too – whether they are grandparents, godparents, or friends.
Please read the pre-sales costs disclosure before you invest. You will need to sign a declaration on our forms that confirm you have read it.
Transfer your JISA to Columbia Threadneedle
Switching your Junior ISA to us is easy, all you need to do is complete a transfer form and we will take care of the rest. The process will normally be complete in around four weeks although may take a little longer depending on your current provider.
You can transfer a stocks and shares JISA, or a cash JISA, to a CT JISA (or both, if you have one of each). Once we’ve received your transfer form, we contact your existing JISA plan provider and arrange the transfer for you.
Your JISA transfer should be for £1,000 or more. CT Savings Plans can help longer-term investors that keep their money invested for at least five years. The opening investment amount of £1,000 for a CT JISA helps ensure investors with smaller sums to invest can get value for money and reduces the risk they receive a poor financial outcome.
We only accept transfers as cash, and we can’t accept further contributions into the new CT JISA until your existing JISA manager has completed the transfer. Any transfers from an existing stocks and shares JISA must be done in full – you can’t make a partial or previous tax years’ transfer.
Invest in our Investment Trusts through a CT JISA
A Columbia Threadneedle Stocks and Shares Junior ISA allows you to choose from a diverse range of investment trusts. These trusts offer you different ways to invest, such as in equities, bonds, property, and private equity. Choosing a mixture of these trusts enables you to spread your investments and potentially minimise risk.
Each trust operates differently. You can pick options that focus on capital growth, income, or both. Some invest in the UK, while others take a global approach.
Please see the Key Information Documents (KIDs) for further details on the risks for each trust. View the latest performance of our Investment Trusts.
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Manage your investments on
the go
Manage your investments on the go
With our CT UK app you can:
– Make changes to your investment choices
– Add cash to invest later, or withdraw cash
– Make lump sum investments
Search 'CT UK' to download the app
Invest now
Columbia Threadneedle offer a range of Savings Plans designed to make investing easy.
Start investing from £2,000 for an adult account and £1,000 for a child account. Regular monthly contributions can be made from £25 or one-off additional investments from £100 after the minimum opening investment has been made. There are no dealing charges when you deal online.