What funds can I invest in?
We offer three Starting Options for our Junior ISA – Cautious, Balanced and Adventurous. All you need to do is pick one based on your attitude to risk and return.
| Cautious | Balanced | Adventurous | Comment | |
| Global Shares: Fidelity | 15% | 65% | 80% | Track the global stock market with shares in more than 1600 companies across 23 countries. |
| Global Property Shares ESG: iShares by BlackRock | 5% | 10% | 15% | Pool your money with lots of others to invest in over 300 property companies from around the world, across a range of industries from residential housing to shopping centres. |
| Overseas Corporate Bonds ESG: iShares by BlackRock | 20% | 25% | 5% | Balance your portfolio with bonds which are generally a lower risk and lower return option than shares. |
| Overseas Government Bonds: iShares by Blackrock | 20% | – | – | Diversify your portfolio and balance your risk with government bonds. |
| Cash Trust: Legal & General | 40% | – | – | Instead of investing in shares, the fund deposits most of your money with the banks and financial institutions offering the most competitive interest rates at the time. |
The mix of funds in each legacy Starting Option before 19th December 2018.
| Cautious | Balanced | Adventurous | Comment | |
| Legal & General Cash Trust | 85% | 30% | 5% | Take a cautious risk approach and deposit your money with banks offering top interest rates. |
| Vanguard LifeStrategy 100% Equity Fund | 10% | 45% | 60% | Invest in the global stock market with shares in thousands of companies from the developed world. The fund aims to invest almost 100% of its assets in UK and non-UK stocks (including emerging markets). |
| Global Property Shares ESG: iShares by BlackRock | 5% | 25% | 35% | Invest in a fund that focuses on property companies scoring highly with their environmental, social and governance (ESG) impact.
Your money will be spread over 300 property companies from around the world, and from different industries including residential housing and shopping centres. |
Outside of your chosen allocation, you can also invest in a broad range of tracker (mutual) funds. You can view our range of tracker funds for JISA in Settings > Allocations. You can also change your investment allocations here at any time should you wish!
