My daughter has over £30,000 in her Junior Isa, where should she 投資する once she turns 18 and 長，率いるs to university?
I have been very 利益／興味d in personal 財政／金融 for many years now and 定期的に 投資する in Isas and Sipps (self-投資するd personal 年金s) for my wife and I 同様に as Junior Isas for our three daughters.?
Our eldest daughter turns 18 in June and 現在／一般に has just over £30,000 in her Junior Isa. She will be going to university in September and ーするつもりであるs to use the money に向かって her living expenses. She is still 適用するing for student 貸付金s but will only receive the 最小限 維持／整備 貸付金 予定 to parents income.
I wondered if you may be able to 供給する any advice as to what she may consider 投資するing her money in once she turns 18 and the Junior Isa disappears i.e. what type of 製品s/wrappers 同様に as types of 基金s etc.
I understand that the Junior Isa will turn into an adult Isa. I’m conscious that she won’t be in a position to 追加する to her 貯金 whilst 熟考する／考慮するing, however, she will receive a 正規の／正選手 （株主への）配当 from a 限られた／立憲的な company, which I 持つ／拘留する an 投資 所有物／資産／財産 in and which she, her sisters, my wife and I are 株主s in. The （株主への）配当 支払い（額）s she will receive may be around £3,000 per year.
Where should my daughter think about 投資するing the cash in her Junior Isa once she turns 18??
Angharad Carrick, of This Is Money, replies: It’s 広大な／多数の／重要な news that you’ve been thinking about your and your family’s personal 財政／金融s, and even better that you have put money aside for your daughters.
Junior Isas?are a 広大な／多数の／重要な 乗り物 to 投資する in when your children are young because you can build a マリファナ which is 保護物，者d from 税金, either through a cash Junior Isa or a 在庫／株s and 株 Junior Isa, as your daughter has.
Once she reaches 18, your daughter's Junior Isa could become a normal 在庫／株s and 株 Isa.
You say that your daughter wants to use the money for her living expenses. While she might not want to take out a bigger student 貸付金 at this point, it might be 価値（がある） considering and wise to use the Junior Isa money に向かって her 未来, 特に if she wants to own her own home at any point.
Jason Hollands, manag ing director at Bestinvest says:?One of the main 推論する／理由s parents choose Junior Isas (Jisa) for their children is to 供給する them with a マリファナ of 資産s that can be used to help 基金 the 未来 costs of a degree.
But there can be good 推論する／理由s to remain 投資するd rather than draw 負かす／撃墜する on the Junior Isa if other forms of 財政／金融ing are 利用できる for college, such as taking out student 貸付金s, working part time / during holidays, or continued support from the Bank of Mum & Dad, or help from grandparents.
Instead, the money or 投資s 蓄積するd in the Jisa could then be used に向かって one of the biggest challenges 直面するd by young adults: escaping 賃貸しの accommodation and getting on the first rung of the 住宅 ladder.
It is important to point out that a Jisa doesn’t disappear when the child gets to 18, so the 受益者 won’t be 軍隊d into taking a chunk of cash, unless she requests to cash-in her account.?
At 18, the Junior Isa 効果的に 変えるs into an adult Isa and therefore 貯金 and 投資s within it can continue to remain 投資するd, with any income or 伸び（る）s growing 税金-解放する／自由な.?
The difference is that from age 18 the 資産s can be 孤立した, if 要求するd, in drips and 淡褐色s ? or 完全に - for example to help 会合，会う course 料金s or living costs. 十分な 支配（する）／統制する over the account now sits with the 受益者, who can do as they like with the 資産s.
One 選択 your daughter might consider is to 再生利用する some of the money 現在／一般に in her Junior Isa each year into a Lifetime Isa or ‘Lisa’.?
株 this article
Lisas are a type of Isa 特に designed for younger people (老年の 18-39), to help them with two important life goals: buying their first home or saving for 退職.?
Unlike other types of Isa, Lisas 供給する an upfront 上げる from the 政府 in the form of a 25 per cent 最高の，を越す up.?
In a nutshell, young adults can subscribe up to £4,000 each 税金 year in a Lisa and receive a 最大限 最高の，を越す-up of £1,000 from the 政府.?
This could then 潜在的に be ploughed into the same 投資s 以前 held in the Junior Isa, or new choices, but with an instant 上げる from the '解放する／自由な money' from the 政府.
This type of 再生利用するing from Jisa to Lisa may seem a no brainer, but it is important to 旗 that there are some strings 大（公）使館員d with Lisas.?
The first 所有物／資産／財産 that can be 購入（する）d with the help of any Lisa money must not be 価値（がある） more than £450,000 in value, which could be an 問題／発行する for anyone hoping to buy a flat in London.
Secondly, if they don’t use their Lisa for buying their first home, it can only be 接近d without 刑罰，罰則 at age 60. 撤退s for any other 推論する／理由 will 潜在的に 背負い込む a 25 per cent 告発（する），告訴（する）／料金 from the 政府 as a clawback of the 特別手当 received.
にもかかわらず, if your daughter can manage her way through universiy, through 貸付金s, the 推定する／予想するd （株主への）配当s on her 株 of the family 投資 company, part-time 収入s or other sources, this 再生利用するing idea could 証明する very va luable over the long-称する，呼ぶ／期間／用語 -?減ずるing the time she might 結局最後にはーなる putting 賃貸しの income into someone else’s pocket and instead getting a 火刑／賭ける in a 所有物／資産／財産 of her own.
Angharad Carrick 追加するs:?Our best DIY 投資するing 壇・綱領・公約 一連の会議、交渉／完成する-up will help your daughter understand their 告発（する），告訴（する）／料金s and which may be best for her.
She then has to decide what to 投資する in. With so many 基金s and 投資 信用s on 申し込む／申し出 across a number of 部門s and 地域s, it can become 混乱させるing, so she may want to 選ぶ for a simple 全世界の tracker 基金 that 投資するs across the whole world's 株式市場s at a low cost.
This is Money's 50 best 基金 ideas 名簿（に載せる）／表（にあげる） collated from 専門家s' 最高の，を越す 選ぶs for different types of 投資家 could help, 供給するing ideas for 基金s, 投資 信用s, trackers and ETFs.
You can 支払う／賃金 a professional to 投資する for your daughter but the 料金s might 証明する 高くつく／犠牲の大きい. If you want to do this our find a 財政上の planner service can help.
She could use an 自動化するd service, which 伴う／関わるs an online wealth 経営者／支配人, or robo-助言者, which 申し込む／申し出 道具s to 設立する 投資 goals and 危険 levels which will be used to build a 大臣の地位 that they manage.
< p class="mol-para-with-font">You 支払う／賃金 a bit for this, but in return you get 平易な 手渡すs-off 投資するing with some 専門家 help. Read our review of the main robo-助言者s here.
