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Junior ISAs

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Junior ISAs are specialized savings accounts tailored for kids, offering a tax-efficient way for parents or guardians to save for their child’s future. The unique aspect is that any earnings, be it interest or investment gains, remain untaxed. There are two types: cash Junior ISAs, functioning like a traditional piggy bank, and stocks & shares Junior ISAs, acting as an investment platform for potential growth through stocks and bonds. Crucially, the saved money is earmarked for the child until they turn 18, providing them the freedom to use it for various purposes such as education, home buying, or other significant plans. Junior ISAs serve as a thoughtful means for adults to provide youngsters with a financial head start.

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