When the child reaches eighteen years of age the Junior ISA automatically converts to a standard adult ISA. A person aged between sixteen and eighteen years old can open a Junior ISA in his or her own name. All of the profits from the Junior ISA are entirely tax free.

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The new Junior ISA, the coalition Government's replacement for the Child Trust Fund (CTF), is due to commence on the 1st of November 2011. It will work in basically the same way as an ordinary adult ISA though with a few important differences.

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