Investing for Children and Juniors

Investing for children and juniors

Think about all the financial burdens your children will almost certainly have to face in their future years: tuition fees, inflated house prices and pension shortfalls, to name just three. We can help you set up funds for the benefit of your children, grandchildren or other young people you chose to support, providing their lives with a solid foundation.

Giving children an advantage in life

Many of the parents, grandparents and guardians we talk to are increasingly concerned about their children’s future pensions and provisions for later life. Early planning and making the right investment decisions now can help you give your children and grandchildren a leg-up when it comes to getting onto the housing market or providing a nest egg for their future.

Talking to one of our specialist investment advisers will help you plan:

  • Junior ISAs
  • Trusts
  • Children’s pensions and SIPPs
  • Inheritance tax management

Protecting your wealth for their future

Investing for children and juniors can also be an effective way of helping to reduce Inheritance Tax and enabling you to pass on your wealth more efficently. Traditional tax-efficient wrappers such as Junior ISAs, trusts and junior investment accounts can all help you to ring-fence funds, protect your investment and achieve future growth for the next generation.

 

What should you bear in mind?

Access to funds

Get clear advice on when the funds you are investing will be available to the beneficiary and, if you so wish, what they should be used for.

Legal trustees

If you were to pass away before time, or become incapacitated, who would administer the funds on your and their behalf? You should consider who else to name as a trustee.

Calculations

Think realistically about what costs they may face, and when, and be as specific as you can. Research how much higher education fees, property deposits, down payments, etc, may be in a few years’ time.

Communication

Be very clear with your loved ones, as well as your legal team, about the arrangements you are making, and share your ideas and wishes with them.

Talk to an expert

Do you have a specific issue you’d like to discuss? Or are you simply looking for a long-term plan that protects the financial future of the children and young people you want to provide forWe’re here to provide you with answers.  

Call the team on 0330 058 6559, email hello@scruttonbland.co.uk or click below to get in touch via the Contact page to arrange an initial discussion and a no-obligation quote.

Safeguard my children’s future

The Independent Financial Advice Services referred to on this website are provided by Scrutton Bland Financial Services Limited (company number 01288848). Scrutton Bland Financial Services Limited is authorised and regulated by the Financial Conduct Authority. The FCA registered number is 209451.

Please note that Scrutton Bland Financial Services Limited is not a member of the Scrutton Bland Group and is owned by Emery (IFA) Ltd whose registered office is 5 Kings Court, Newcomen Way, Severalls Industrial Park, Colchester, England, CO4 9RA. The ultimate controlling party of Scrutton Bland Financial Services Ltd is Socium Group Holdings Ltd whose registered office is Level 13, 20, Primrose Street, London, England, EC2A 2EW.

An exclusive introducer arrangement exists between Scrutton Bland LLP and Scrutton Bland Financial Services Ltd whereby all enquiries in respect of financial planning advice received by Scrutton Bland LLP are passed to Scrutton Bland Financial Services Ltd. At the present time no commission is receivable by Scrutton Bland LLP in respect of these arrangements.

The inside track

Read more News & Views