COMPANY
AJ Bell Investcentre 0845 839 9060
www.investcentre.co.uk
Alliance Trust Savings 01382 573737
Stocks and Shares Junior ISAs Minimum
Plan Name
contributions Reg Single
AJ Bell Investcentre JISA No min £500 O/U/I/S/CB/S/G
Stocks & Shares Junior ISA
www.alliancetrustsavings.co.uk O/U/I/S .
Artemis Fund Managers 0800 092 2051
www.artemisonline.co.uk Bank of Scotland
0207 384 7300
www.chelseafs.co.uk Family Investments
0800 616 695 Forester Life £10 £20 1/Nil 1 0333 600 0333
www.foresters.co.uk FundsNetwork
0800 414 181
www.fundsnetwork.co.uk Halifax 0845 722 5525
www.halifax.co.uk/isas Hargreaves Lansdown
0117 900 9000
www.hl.co.uk
Healthy Investment 0161 762 5790
www.healthyinvestment.co.uk Legal & General
0800 980 2691
www.legalandgeneral.com
† Initial contribution £500 for Fidelity Moneybuilder Range, Standard Life Global Advantage, Virgin Income Trust and Virgin UK Index Tracking Trust. Top-up £250. Junior Stocks & Shares ISA £20 £20
1/Nil O
Vantage Junior ISA O/U/I/S
£25 £100 £10 £10 Nil/ unlimited
Special Offer - Free Pedro the Penguin money box for investments over £1K. Junior ISA
1/Nil £30 £500 30+/Nil 1
Incentive: MVR free guarantee on child’s 18th birthday for any investment over 5 years. Stocks & Shares
Junior ISA U
Liontrust Fund Partners LLP Junior ISA 0844 892 1007
U
www.liontrust.co.uk NatWest Bank
0845 603 4047
www.natwest.com Pilling & Co
0161 832 6581
www.pilling.com
Post Office 0800 169 7500
www.postoffice.co.uk/savings Special Offer - £10 Boots voucher if direct debit set up for £10 or more, £20 voucher if direct debit for £20 or more. Redmayne-Bentley
0113 200 6470
www.redmayne.co.uk Royal Bank of Scotland
0845 603 4045
www.rbs.co.uk
www.scottishfriendly.co.uk Sheffield Mutual
01226 741000
www.sheffieldmutual.com Teachers Assurance
0800 056 0563
www.thechildrensisa.com The Children’s Mutual
0845 603 4056
www.thechildrensmutual.co.uk The Oddfellows
0161 832 9361 01254 222 702
www.redroseassurance.co.uk
The Share Centre 01296 414141
www.share.com The Share Centre
01296 414141
www.share.com
Witan Investment Trust 0800 011 2015
www.jumpsavings.com
= Investment Life & Pensions Award Winner - See page 5 for details. Where a range of external funds are offered the relevant fund managers may levy initial or annual changes depending on the funds selected. O = open ended investment companies. U = unit trusts. I = investment trusts. S = shares.
86 March 2015 U
The Childrens ISA O/U/I/S
Junior ISA O
Junior ISA O
www.oddfellows.co.uk The Red Rose Friendly Society Junior ISA
£10 £10 8/ No max 1 1 1 unlimited
£20 £50 (£250 Nil/1 on opening)
£10 £50
£10 £50 (£50 to open)
1/Nil 1/Nil
Junior ISA O/U/I/S
Junior ISA O
Scottish Friendly Asset Mgrs My Choice Junior ISA 0845 600 5433
Investment Junior ISA No min £250 £20 £250 £10 £50 Nil/ unlimited 1/Nil 8/Nil
£10 £50 (£100 1/Nil on opening)
Incentive: Capital guaranteed once invested for 5 years. Junior Stocks & Shares ISA £50 £1,000
4/Nil 1 8 1 4 No max
Fund options include: Collectives, Corp Bd, Ethical, Eurobonds, £20 + VAT Exch Traded Com, Exch Traded Fds, Invt Trusts, Multimgr, Pref Shrs, REITs, Structured Prods, Tracker, UK Eqs & Gilts
Royal Bank of Scotland Stakeholder Investment Fund 1.5%
UK Tracker Fund, UK Active Fund, UK Government Bond Nil Fund, International Company Bond Fund, Unitised With Profits Fund, Higher Fund, Medium Fund, Lower Fund
With profits fund: Interim Bonus 5.5%. Declaration date 7.3.2014.
Teachers: Adventurous, Balanced, Cautious Sovereign Ethical
†
Junior ISA O
Junior ISA O/U/I/S
£20 £250 £10 £10 1/Nil Nil/ unlimited £10 £500 0/1 1 1 No max (£100 top up) No max No max
Fund options include: Corporate Bond, Ethical, Guaranteed, 0.45% (max £45) Share dealing from £5.95 Multimanager, Property, Tracker
With Profits Fund. Interim Bonus: 3.75%. Declaration Date: 0.9% 31.12.13.
Fund options include: Ethical, Multimanager, Property, Tracker
-
Ongoing Charge No initial charge. Dual priced funds have a from the Fund (OCF) difference between the buying and selling
varies across the price (bid/offer spread). Single priced funds funds from 0.56% may charge a dilution levy on investing. Other to 2.11%
costs may also apply. £50 £500 9/Nil No max
Asia Income, European Growth, FTSE 100 Tracker, Global 0.295% - 1.75% Initial charge 5% (Tracker 0%). Further Income, Macro Equity Income, Macro UK Growth, Special depending on charges will apply. Situations, UK Growth, UK Smaller Companies
Royal Bank of Scotland Stakeholder Investment Fund Default fund: Baillie Gifford Managed.
Fund options include: Corporate Bond, Ethical, Guaranteed, Multimanager, Property, Sharia’a, Tracker
† Custody fee of 0.5% of investment value (Min £20, Max £70) applies if default fund not chosen. Charges for default fund may vary. Junior ISA
Family Balanced International Fund 1.5%
fund chosen 1.5%
† -
Dealing commission 1.65% (stamp duty where applicable)
Other annual expenses of approx 0.2% of value of fund will also be deducted.
Commission 1.65% (min £10) per transaction; settlement and compliance charge £10 and any applicable government taxes and duties.
-
Audit, custody and regulatory fees estimated at 0.5% per annum
1.5% -
Initial charge 3% (also applied to reinvestment of any distributions or tax). Transfers out £30 fee.
www.teachersassurance.co.uk † Ongoing charges: Cautious Fund 1.7.13 to 30.6.14 - 1.44%, Balanced Fund 1.9.13 to 31.8.14 - 1.43%, Adventurous Fund 1.11.13 to 30.4.14 - 1.46% (annualised), Ethical Fund 1.9.13 to 31.8.14 - 1.82%. The Childrens ISA Ltd
SWIP Foundation Growth Oddfellows ISA All-Share Tracker Fund 1.5% 1.5%
With Profits Fund. Interim Bonus: 3%. Declaration Date: 1.5% 23.10.14
£10 £10 (£100 1/Nil on opening)
1 Default fund: SF Positive. Nil - - -
Special Offer - £10 M&S voucher if monthly direct debit set up for £10, £20 M&S voucher if monthly direct debit set up for £20 or £30 M&S voucher if monthly direct debit set up for £30. Ready Made Junior ISA
DIY Junior ISA O/U/I/S
The Jump Junior ISA I
£10 £10 (£100 3/2,000+ No max on opening)
£50 £100 (£250 1/Nil on opening)
1
Corporate Bond, Ethical, Multimanager, Property, Sharia’a, Tracker, ISA eligible equities
Witan Investment Trust Nil £30 + VAT
Fund options include: Corporate Bond, Ethical, Guaranteed, 1% - 1.6% Initial charge 1% - 5% Multimanager, Property, Sharia’a, Tracker, With profits
1 Scottish Widows UK Tracker fund 0.5%
Junior ISA O/U/I
£50 £1,000 † Nil/2,500+ No max
Junior ISA U
www.bankofscotland.co.uk/isas O Chelsea Financial Services
£50 £500
Special offer - Initial charge currently waived. Junior Stocks & Shares ISA £20 £20
Junior ISA O/U
Junior ISA £10 £10 £10 £500 15/Nil 1/Nil 0/2,100 2/Nil 15 1 No max 1 £50 £50 any one time Nil/Open market No max
Number or Max number Default fund/Fund options available internal/external of funds at funds
No default fund. Over 4,500 funds, of which 3,500 are clean share classes
9/2,100 No max
Annual charge
†
Additional charges
Transfer out in specie: £25 per holding VAT exempt †
† Annual custody charge, up to £1m - 0.20% pa, £1m - £1.5m - 0.15% pa, £1.5m - £2m - 0.10% pa, over £2m - 0.05% pa. Dealing/switching: Using regular investment service nil, using bulk dealing service £1.50, online £3.95, telephone £29.95, paper form required £50. Annual custody and dealing/switching charges are VAT exempt.
Fund options include: Corporate Bond, Ethical, Multimanager, £10 per quarter Dealing charges per transaction: Online £12.50 Property, Tracker
Telephone/Postal £40. Automatic: Dividend
reinvesment £5, Regular dealing by direct debit £5, Online monthly dealing by direct debit £1.50.
Capital, Euro Growth, Euro Opps, Global Energy, Global Grth, 1% - 1.5% Initial charge 5% - 5.25% Global Inc, Global Select, High Inc, Inc, Mthly Dist, Strategic Assets, Strategic Bd, UK Grth, UK Smaller Cos, UK Spec Sits
Scottish Widows UK Tracker fund 0.5%
business until April 2016
-
Model portfolios available. Fund options include: Equities, Bonds, Nil on new - Property, Multi-asset, Commodities, Ethical & Trackers
Family Balanced International Fund OR Family Charities 1.5% Ethical Trust
www.familyinvestments.co.uk Special Offer - £10 Boots voucher if direct debit set up for £10 or more, £20 voucher if direct debit for £20 or more. Junior ISA
Forester Life Stakeholder Managed Fund 1
Family Balanced International Fund approx 0.2% per annum. Family Charities Ethical Trust additional charges deducted from fund.
1.5% (reducing - to 1% after 10 years)
No default fund. Fund options include: Ethical, Multimanager, Fund OCF’s and Annual Investor Fee of £45 and Annual Tracker
additional charges Service Fee of 0.25% of assets held. Only
clean share class funds and ETPs are available to invest in. No initial or switch fund charges.
-
No administration fee Administration fee £1 + VAT per month 0.5% government stamp duty
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