VitalityInvest Junior ISA
This site is for UK investment professionals only. If you're not an investment professional, please find out more about us at vitality.co.uk.
A financial head start for your clients' children
Giving a child a financial head start is a great way to help them achieve their own long term goals, and a VitalityInvest Junior ISA is an ideal way to invest on behalf of a child
How the plan works
The money grows tax-free and the child can access if when they reach 18.
Qualifying criteria applies – please refer to our terms and conditions.
Healthy Fee Saver.
With our low product and fund charging structure, together with the Vitality Programme, our plans with Healthy Fee Saver help support your clients’ portfolios.
- Competitive fund charges: on all Vitality funds. Starting at 0.25% p.a for our Risk Optimiser funds.
- Healthy Living Discount: the opportunity to pay the lowest product charge in the market – zero. Our product charges start as low as 0.25% p.a. And we’ll apply no product charge on the amount above £250,000 for all investors. Plus, when your clients take steps to be healthy, improve their Vitality status and invest in Vitality funds, they could even enjoy zero product charges across their whole plan.
- Vitality Programme: bring health and longevity to your financial planning. Your clients get automatic access to our Vitality Programme at no extra cost. It helps them take steps towards a healthier future – and rewards them for it with real financial benefits.
Junior ISA Toolkit.
In this toolkit, you can easily access everything you’ll need to talk to your clients about our Junior ISA. We’ve highlighted the most popular resources in yellow, and you can find a list of the others below. You'll find other toolkits throughout our website.
Reasons to choose VitalityInvest brochure
VitalityInvest at a Glance - Healthy Fee Saver
Adviser due diligence guide
Funds guide
Looking to invest your clients' money in Vitality funds for the long term?
About our Junior ISA
At a glance
Our Junior ISA
Easy to start
Your client can start a plan with regular subscriptions of £50 a month, or with a lump sum of at least £1,500. There’s no minimum amount for additional lump sums.
Flexible subscriptions
Your client can stop, start, increase or decrease regular subscriptions, and pay in lump sums at any time, up to their child’s annual junior ISA allowance. They can easily move their money between different funds too.
Simple transfers
We make it easy for your client to transfer existing Junior ISAs or a Child Trust Fund account, without affecting their child’s annual junior ISA allowance.
|
Feature |
Junior ISA |
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|
Payments into the plan |
Minimum initial single subscription |
£1,500 |
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Minimum initial transfer value |
£1,500 |
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Minimum regular subscription (per month) |
£50 |
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Payments out of the plan |
Minimum withdrawal amount |
Withdrawals can only be taken out of a Junior ISA when the child reaches age 18 |
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Regular income can be taken on any day between 1st and 28th of the month |
n/a |
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|
Minimum/maximum age of child |
Minimum age at entry |
0 |
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Maximum age at entry |
Less than 18 |
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Insurance benefit |
Accidental death benefit (value of plan increased by 5% on death due to accident) |
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Shared value from VitalityInvest |
Vitality Programme (Select version) |
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Healthy Living Discount |
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Investment options |
Vitality funds |
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Third-party funds |
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Create model portfolios |
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Pre-funding of switches between funds |
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Product charges
Funds
Funds
In partnership with three world-leading fund managers, we offer ready-made investment solutions – helping take care of the governance for you. Plus, our VitalityInvest Risk Optimiser funds have now been delivering on their outcomes for over three years.
For extra flexibility, we offer over 500 third-party funds, from more than 50 leading fund managers. Together with model portfolio functionality, it means you can create your clients’ preferred investment solutions.
See our Funds page for more information
Easy to work with
Where to next?
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Healthy Fee Saver with Boosters
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We also offer plans which can give your clients' investments a boost over the longer term when they invest in Vitality funds.
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Healthy Living Discount
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By making healthy lifestyle choices, your clients can save more on product charges through our Healthy Living Discount.
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ISA
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Help your clients fund their ambitions tax efficiently with our VitalityInvest ISA.
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Retirement Plan
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Discover our personal pension plans that allow your clients to save towards their retirement and access their savings flexibly when they retire.
Contact your Business Consultant
or call 0800 096 4368
Lines are open (freephone)
Monday to Thursday: 8am - 9pm
Friday: 8am - 7pm
Saturday: 9am - 5pm
Sunday: closed
The value of investments – and the income from them – can go down as well as up, meaning your client may get back less than they invest.
Any tax benefits your client receives depends on their individual circumstances as well as current tax law – both of which may change in the future.
This isn’t intended as a personal recommendation to invest in a particular product. Your clients’ investments should be based upon their unique circumstances, attitude to risk and investment goals, and should be regularly assessed.
“Vanguard” is a trade mark of The Vanguard Group, Inc., and has been licensed for use by Vitality Life Limited.