Gift your child
a brighter future
Mia is an easy-to-use app where parents, grandparents, godparents, family and friends can gift investments towards a child’s future through a Junior Stocks & Shares ISA (JISA) today and a Junior Pension in the future.
Download today
When you invest, your capital is at risk.
How does Mia work?
Explore how your contributions and gifts from family and friends can grow into their future through their Junior Stocks and Shares ISA (JISA).
When you invest, your capital is at risk.
When you inves your capital is at rsk.
Open their account in minutes
Open a Junior Stocks & Shares ISA (JISA) in minutes and start investing with as little as £20.
When you invest, your capital is at risk.
Contribute your way
Add funds whenever you want in a few simple taps. Set up monthly contributions to take one thing off your to do list.
They say it takes a village
Send a personalised link to family and friends. They can contribute directly and leave a message for your child to unlock at 18.
Watch their future grow
Together with your loved ones, you can track contributions and gifts and see how they can grow into your child being able to fund university or their first house deposit.
Turn today’s gift into tomorrow’s future
See how small, consistent contributions can grow into a meaningful pot for their future. The average 10 year old owns 238 toys and plays with just 12, imagine the impact on their future if some of the money spent on these toys was invested instead?
Join thousands of families choosing a smarter, clutter-free way of gifting.
Download today
When you invest, your capital is at risk.
Why families choose Mia
Feature
Simple, easy-to-use app built specifically with children in mind
Built by parents for parents
Straightforward investing without overwhelming fund choice
Easy for family and friends to gift into your child’s account
Family can leave video, voice or written messages with gifts
Messages for your child to unlock at 18
Junior Pension launching in the future
How we keep your child's money safe?
We take security seriously. Your child’s money is held securely by our regulated custodian, Seccl and invested by BlackRock.
Invested with BlackRock
We've selected one of the world's largest investment managers, BlackRock with over £9 trillion in assets worldwide and used by millions of investors.
FSCS Protected
Your deposits with Mia Wealth are protected by the Financial Services Compensation Scheme (FSCS), subject to FSCS conditions. All cash and investments are held securely in a separate ring-fenced account with Seccl, our FCA-regulated investment platform provider. If Seccl itself were to fail and there was a shortfall in client assets, eligible investment claims are generally protected up to £85,000 per person, per firm. This does not cover normal investment market movements or losses.
Safely held by Seccl
All cash and investments are held securely in a ring-fenced account with Seccl, our FCA-regulated investment platform provider. Seccl is part of the Octopus Group, which manages over £12bn in assets and also works with companies like Monzo and GoHenry. Your child’s money is kept completely separate from Mia’s own finances. That means if Mia were ever to fail, your child’s investments could not be accessed by Mia’s creditors.
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Frequently asked questions
Everything you need to know about investing in your child’s future with Mia.
What is a Junior Stocks and Shares ISA?
A Junior ISA (JISA) is a tax-free savings and/or investment account for children which they can access at 18 years old.
There are two types of JISAs:
Junior Cash ISA:
This works a lot like a regular savings account, but the interest your child earns is tax-free. The money is kept as cash, so it’s not exposed to the ups and downs of the investment market. It’s a safe and steady option, but with interest rates often quite low, the growth potential can be limited and unlikely to keep pace with inflation which can erode the real value of your money over time.
Junior Stocks & Shares ISA:
At Mia Wealth, your child’s money is invested in a Junior Stocks & Shares ISA. This means there’s a chance for higher growth over the years. Of course, the value will go down and up with the market, but over the long term, investing has historically outperformed cash savings.
When you invest, your capital is at risk. Tax treatment is dependent on individual circumstances and is subject to change.
Is investing with Mia safe?
Yes. Your child’s money is never held by Mia directly.
All cash and investments are held securely in a ring-fenced account with Seccl, our FCA-regulated investment platform provider. Seccl is part of the Octopus Group, which manages over £12bn in assets and also works with companies like Monzo and GoHenry. Your child’s money is kept completely separate from Mia’s own finances. That means if Mia were ever to fail, your child’s investments could not be accessed by Mia’s creditors.
Your child’s investments are managed independently by some of the world’s largest asset managers. In practice, if Mia stopped operating, the investments would continue to exist and would typically be transferred to another regulated provider. If the exact same investment fund wasn’t available on the new platform, the investments would usually be moved into a similar fund – this is standard practice whenever an account is transferred between providers.
Both Mia Wealth and Seccl are authorised and regulated by the Financial Conduct Authority (FCA).
Your child’s investments may also be supported by the Financial Services Compensation Scheme (FSCS). If Seccl itself were to fail and there was a shortfall in client assets, eligible investment claims are generally protected up to £85,000 per person, per firm. This does not cover normal investment market movements or losses.
Client money and investments are required to be held separately from Seccl’s own assets, so the expectation is that customers would remain entitled to the full value of their investments even in the event of insolvency.
What’s the minimum amount I can contribute?
The minimum contribution is £20 as a lump-sum and/or £20pm automatic contribution. Grandparents, godparents, uncles and aunties can gift from £10 upwards.
Can family and friends contribute?
Grandparents, godparents, aunts, uncles, family friends, anyone can add money to your child’s Junior Stocks and Shares ISA (JISA). Alongside their gifts, they can also leave a video, text or voice message for your child to unlock when they turn 18.
What happens to the account when my child turns 18?
When your child turns 18, their account will automatically transfer into an adult account.
Junior Stocks and Shares ISA (JISA) → Adult ISA
We will provide financial education along the journey to encourage them to continue to contribute to their Stocks & Shares ISA for their own financial goals.
Read our articles to see how
investing today can improve your child’s future
