Give your child a head start that grows with them.
A warm, plain-English guide to Junior ISAs, Junior SIPPs and the other ways to invest for a child — so you can start this month, feeling confident rather than confused.
Small amounts, given time, become big ones
This is the whole idea in one picture. The early years look quiet — and then the growth starts growing on itself.
Nobody knows what markets will do. Move the rate and see how much the answer changes — that uncertainty is the point. The guide works throughout at the cautious 5%.
Illustrative only. Real returns go up and down, some years are negative, and nothing here is a forecast or a guarantee.
You want to do the right thing. Nobody explains how.
Most of us open an account, cross our fingers, and quietly wonder if we've picked the wrong one.
Starting early matters more than starting big
Same £100 a month. Same 18th birthday. One family begins at birth, the other waits until their child is 10. Each block is about £1,700.
The full guide, plus four handy tools
Investing for Your Child
Over 70 friendly pages that take you from "where do I even start?" to a plan you can act on this week — including a cheat sheet, glossary, FAQ and checklists at the back.
- If you only remember five things
- Why starting early matters
- Six questions, and a decision tree
- Every account, compared
- What happens at 18?
- Choosing the right one for you
- What the money is invested in
- Putting a portfolio together
- Fees and platforms
- Tax and allowances, made simple
- Parents and grandparents
- Eleven worked examples
- Mistakes to avoid
- Your step-by-step action plan
Growth charts
See why the start date beats the amount.
Which-account flowchart
Five simple questions to the right choice.
Fee checker spreadsheet
Pop in the fees, see the real long-term cost.
This year's allowances
One page of current numbers, kept up to date.
Written for real families, not fund managers
New parents
Never opened an investment account, and want to get it right first time.
Grandparents
Want to give something that lasts, without stepping on anyone's toes.
Self-employed parents
Income goes up and down — and it's still very much worth starting.
Anyone who's been meaning to
You know you should sort this. Consider this the gentle nudge.
Every chapter ends with what actually matters
No hunting through pages for the point. Each part closes with a short "Key takeaways" box — like this one, straight from Part 1.
— From Part 1: Why investing early matters- Investing aims to grow real value over time; cash on its own quietly loses ground to inflation.
- Starting five years late doesn't just cost five years of money — it costs the growth those years would have earned.
Everything, for less than a family takeaway
Delivered straight away. Read it tonight, or on your phone at the school gates tomorrow.
- The full guide, over 70 pages (PDF)
- Growth charts
- Which-account flowchart
- Fee checker spreadsheet
- This year's allowances sheet
Things people ask before buying
Is this financial advice?
No — it's an educational guide. It explains how each account works so you can decide with confidence, and it includes a full disclaimer.
I know nothing about investing. Will I follow it?
Yes. It's written in plain English, every term is explained the first time it appears, and there's a glossary at the back.
What do I actually receive?
A PDF guide of over 70 pages that you can read on any device or print, plus a Start Here sheet and the four bonus tools — PDFs and one Excel spreadsheet. Everything arrives as a single zip.
Won't the tax numbers go out of date?
Allowances do change at Budgets, so the guide flags every figure — and the separate allowances sheet is designed to be swapped each year.
My child isn't a baby — is it still useful?
Very much so. The guide is clear about how the right choice shifts as your child gets older.
Eighteen years sounds like a long time. It flies.
The earlier you start, the easier it is. Make this the week you stop putting it off.
Get the guide — £19