Should you choose a Cash or Stocks and Shares Junior ISA for your child?

A Junior ISA (JISA) is often an effective way for parents to start putting money aside for their children to help them reach their goals when they reach adulthood. One important question parents need to consider is: Should the money be held in a Cash JISA or invested through a Stocks and Shares JISA?

Read on to find out what you need to know about JISAs, and how to choose between saving and investing.

Up to £9,000 can be deposited in Junior ISAs in 2025/26

Like their adult counterparts, JISAs are efficient as the interest or returns generated are not liable for tax. In the 2025/26 tax year, you can deposit up to £9,000 across all JISAs for each child.

Only a parent or guardian can open a JISA, and once it’s set up, other loved ones can pay money into it.

The money placed in a JIS