The younger generation are facing new and difficult financial challenges as they grow up in the modern world. University tuition fees, the challenge of finding a deposit on a first house and, further ahead, the prospect of having to work longer and make provision for an income in retirement.

The St. James's Place Junior ISA can help give youngsters a head start and an introduction to the importance of saving. It provides a flexible and tax-efficient way to build a capital sum to help secure the financial future of your children.

It can ensure they have a good education, open up opportunities and help them get established when they grow up. Starting to save money now might be the difference between whether or not they can afford to do what they would like when the time comes.

Key Investor Information Documents

Before investing in a Unit Trust via a Junior ISA, it is important that you read our Key Investor Information Documents and Supplementary Information Document.

You should be aware that the favourable tax treatment given to the Junior ISA is subject to changes in legislation and may not continue in the future. An Investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The value of an investment in equities, corporate bonds and property can fall as well as rise and income is not guaranteed.