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Saving and Investing for your Children's Future

As a parent or grandparent, securing your (grand)children’s financial future is paramount. Our tailored wealth management solutions will create lasting financial legacies through strategic planning and tax-efficient investment vehicles to help secure your little one’s tomorrow.

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Important: Children’s future

The value of investments and the income from them can fall as well as rise and investors may not get back the full amount invested. Past performance is not a guide to the future and any investment does not have a capital or return guarantee. Pension and tax rules apply and it is important to remember the rules can change. Any investment decisions should be made after receiving professional advice.

Securing tomorrow’s milestones today

From university to weddings, your children's life moments require careful financial planning in today's complex economic environment.

When considering your child’s financial future, two key options stand out:

• Junior Individual Savings Account (JISA): Ideal for building funds for adulthood

• Childhood pension (Junior SIPP): Perfect for long-term retirement planning

Capital at risk. Pension and ISA rules apply.

At Mattioli Woods, we understand that building your family’s future starts with clear goals and expert guidance. Through our investment solutions and tax-efficient planning, we work with you to build the financial foundations your children need.

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JISA features

• £9,000 annual contributions allowance
• Tax-free growth and interest
• Ownership can pass to the child at age 16 but cannot withdraw until they are 18
• At age 18, the JISA is converted into an adult ISA and may continue to be invested

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Childhood pensions features

• Tax-efficient way to build long-term wealth
• Government tax relief of up to 20%
• Funds are accessible once the child reaches retirement age, currently age 55 rising to 57 in 2028
• Family members can contribute

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All our clients are provided with a dedicated consultant and client relationship manager, meaning your children will benefit from a bespoke consultancy-led approach.

If you’re new to Mattioli Woods, book an initial FREE consultation to discuss your goals for your children’s financial future.

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JISAs

Childhood pensions

Protecting my family

Children's education fees

Frequently Asked Questions

Can I access the money in my child's JISA?

No, the funds are locked until your child turns 18. This ensures the money is preserved for their future.

What happens to a JISA when my child turns 18?

The account automatically converts into an adult ISA, giving your child full control of the funds.

Can I have both a cash JISA and a stocks and shares JISA?

You can have both types, but the combined contributions cannot exceed the annual allowance of £9,000.

Why should I start a pension for a child?

Starting early maximises the power of compound growth. Even small contributions can grow significantly over 50+ years.

Can my child access their pension early?

No, pension rules apply as normal. Currently, access is not permitted before age 55 (increasing to 57 in April 2028).

How does tax relief work on children's pensions?

Contributions receive 20% tax relief automatically, even though children don’t pay tax. Therefore, a £2,880 contribution becomes £3,600 with tax relief.

Why choose us?

At our core, our focus is entirely on you – our esteemed clients. With our exceptional wealth management and employee benefits services, you can experience the true essence of peace of mind.

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Saving and Investing for your Children's Future