Episode 1: ISA vs Junior ISA - Where Should You Invest for Your Kids?

Episode 1: ISA vs Junior ISA — Where Should You Invest for Your Kids?

Asalaamu Alaikum and welcome to the very first episode of our new series where we take real-life money dilemmas and argue both sides so you can make better financial decisions.

In this episode, we tackle a question many parents ask:

Should you invest for your child in your own Stocks and Shares ISA, or open a Junior ISA in their name?

Adel argues for keeping investments in the parent’s ISA for flexibility and control, while Ahmad makes the case for the Junior ISA and its long-term discipline and tax advantages.

We cover:

• Control vs commitment when saving for children
• The risk of children accessing money at age 18
• Platform choice and fees
• ISA allowance efficiency
• Inheritance tax considerations
• Real-world scenarios parents actually face

There is no one-size-fits-all answer, but by the end of this episode you will understand which route may suit your family best.

This podcast is for educational purposes only and does not constitute financial advice.