Feel confident about saving and investing for a child
Clear, UK-focused guides to saving, investing, and pension options for children — including Junior ISAs and Junior SIPPs — explained in plain English for families.
What we explain
How Junior ISAs work, how much can be contributed, and what happens when a child turns 18.
Junior ISAs
What a Junior SIPP is, how it differs from a Junior ISA, and when families might consider it.
Junior SIPPs
How parents open and manage accounts, and how grandparents and other family members can contribute.
Family contributions
Key decisions
Common questions families think about before choosing an account or provider.
How investing for children usually works
Parents open the account
A parent or legal guardian opens and manages a Junior ISA or Junior SIPP on behalf of the child.
Family members can contribute
Once an account is open, grandparents and other family members can usually add money.
The money belongs to the child
The account is held in the child’s name and typically becomes theirs when they reach adulthood.
Frequently Asked Questions
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Only a parent or legal guardian can open and manage a Junior ISA or Junior SIPP on behalf of a child.
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Yes. Once an account is open, grandparents and other family members can usually contribute money to it.
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No. Nest Egg provides information only. We do not offer financial advice or make recommendations about what is right for any individual family.
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In most cases, control of the account passes to the child when they reach adulthood, and the money becomes theirs to manage.
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Not necessarily. Some families use one, some use both, and others choose neither. We explain the differences so families can decide what feels appropriate for them.
