Prudential Junior ISA

The funds offered by Prudential are actively managed. This is where the fund manager’s goal is to outperform an investment benchmark index and will make specific investments aimed at achieving that.

Whatever your attitude towards the amount of risk you wish to take to deliver higher returns, Prudential’s Dynamic funds can work within that offering a choice of Defensive, Balanced and Adventurous portfolios.

Looking after £198 billion (at 31 December 2010). Prudential are one of the UK’s largest asset managers.

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Account name Initial fee Management fee Minimum deposit Product review
Prudential Child ISA 2.00% 1.50% £50 per month or £500 lump Read Review
  • One of the UK’s largest asset managers
  • Defensive, Balanced and Adventurous funds
  • IPad2 Competition – a prize draw to win a IPad2
  • Small initial fee

Read more about the Prudential Junior ISA on the Children’s ISA website

Defensive Prudential Junior ISA

If you are a low risk investor, it’s likely that, when investing your money, you look for the security that your investment’s value won’t go up and down a lot.
Other people with this attitude to risk often share a number of common traits:

  • You’re happy to invest in non-cash assets, such as fixed interest securities.
  • You accept that the value of your investment isn’t guaranteed and might go down as well as up.
  • You’re comfortable with some of your money being invested in shares, but not all of it and some of it may be outside the UK.
  • You accept that it’s possible you may lose some of what you invested for the prospect of better growth.
  • You’ll probably want to spread your money across different types of investments, which should help to reduce the risk by balancing out one type of risk against another.

The Defensive Portfolio is designed to limit the risk to capital. It invests mainly in bonds and cash with no more than 30% invested in equity funds and aims to deliver a risk and return profile consistent with your attitude to risk. The fund is suitable for those looking for growth potential but within an overall defensive investment strategy.

Balanced Prudential Junior ISA

If you’ve got a balanced attitude to risk, it’s likely that you already have an interest in investing and are comfortable with the ups and downs of the stock market.
Other people with this attitude to risk often share a number of common traits:

  • You’re happy to put a significant proportion of your money in shares or other longer-term investment types.
  • You accept that there’s a risk of losing your money, but this is balanced with the prospect of greater growth.
  • You might have an interest in and knowledge of the stock market.
  • You understand the general risks involved with investing.

The Balanced Portfolio is designed for investors looking for growth by mainly investing in equity and property funds. Up to a third of the portfolio is invested in bonds and between 40% -80% in equity funds. It aims to deliver a risk and return profile consistent with an investor with this attitude to risk. The fund is suitable if you are looking for growth potential, albeit with some exposure to bond funds; and you are willing to accept more volatility in your investment strategy.

Adventurous Junior ISA

If you’re prepared to take high risk, it’s likely that you’re an experienced and knowledgeable investor, whose primary aim is to achieve the highest possible returns on your money, while accepting that this means taking substantial risks.
Other people with this attitude to risk often share a number of common traits:

  • You’re happy to invest in funds in specialist areas or new markets, or both
  • You’re looking for high returns on your money, and you’re willing to take substantial levels of risk to achieve it
  • You accept that there’s a real risk of losing your money, but this is balanced with the prospect of greater growth
  • You’re attracted to new markets with substantial risk, or enjoy trying new types of investment
  • You accept that the value of your investment can fluctuate rapidly and by a large amount.
  • You’re experienced in investing in the stock market, and probably already manage a range of your own investments

You understand the risks posed to your money when investing, particularly that your investment is very likely to regularly go up and down in value.
The Adventurous portfolio is designed for investors looking for greater growth potential by mainly investing in equity and property funds. Between 60% – 100% will be invested in equity funds. It aims to deliver a risk and return profile consistent with an investor with your attitude to risk. The fund is suitable for those looking for growth potential from equity investments and willing to accept investment volatility in return for greater growth potential.

For further information, visit the the Children’s ISA website and apply for the Prudential Junior ISA

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