BONUS EPISODE: Should you save into a Junior ISA or a Junior SIPP?

With the kids back at school, is now the time to start saving or investing for their future? Join our host, Philippa Lamb, and Maike Currie, VP Personal Finance at PensionBee, as they break down the key differences between a Junior ISA and a Junior SIPP, how each is taxed, and which one might be right for your family.

Episode breakdown

00:51 Junior ISAs and Junior SIPPs at a glance

02:29 How Junior ISAs and Junior SIPPs are taxed

06:07 Cash Junior ISA versus Stocks and Shares Junior ISA

08:04 How to decide between a Junior ISA or Junior SIPP

Further reading, listening, and watching

To learn more about saving for children, check out these articles, podcasts and videos from PensionBee:

• Episode transcript (Blog)
• E8: How to teach kids about money (Podcast)
• E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast)
• E42: Should you pay for your kids to go to university? (Podcast)
• 5 tax allowances to make your savings and investments more tax-efficient in 2026/27 (Blog)
• 7 of the best ways of giving money to grandchildren (Blog)
• Buying a property: the basics - PensionBee's Milestone Moments (Video)
• How to diversify your pension investments (Blog)
• How to make your child a millionaire (Blog)
• What is a Junior ISA? (Article)
• What is compounding? (Article)
• Should I pay into a pension or an ISA? (Article)

Other useful resources

• Junior Individual Savings Accounts (ISA) (GOV.UK)
• Junior pensions: what is a junior SIPP and how does it work? (Unbiased)

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

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