在2027年细则规定将现金津贴减为12 000英镑之前,父母应在初级《国际审计准则》中投资。 Parents should invest in junior ISAs before 2027 rules reduce cash allowance to £12,000.

马丁·易斯警告储户在2027年4月即将发生的规则变化之前, 现在就免税的初级ISA采取行动, 当现金ISA津贴降至12,000英时, 需要投资剩余的8,000英. Martin Lewis warns savers to act now on tax-free junior ISAs before upcoming rule changes in April 2027, when the cash ISA allowance drops to £12,000, requiring the remaining £8,000 to be invested. 只有父母或监护人才能为儿童开设初级ISA,每年可免税储蓄多达9 000英镑。 Only parents or guardians can open a junior ISA for a child, which allows up to £9,000 annually in tax-free savings. Lewis建议投资,而不是持有现金来提高长期回报,指出该账户由成年人管理,直到孩子年满18岁。 Lewis advises investing rather than holding cash to boost long-term returns, noting the account is managed by an adult until the child turns 18. 65岁及65岁以上的成年人不受新规则的限制。 Adults aged 65 and over are exempt from the new rules.