With an easy option Junior ISA your money is invested. Here's some information about the funds, so you can understand more about the different risk levels, where and what they invest in, and how they're performing.

Where does the Junior ISA invest?

The easy option Junior ISA invests in one of the Scottish Friendly SF MyFolio Managed Funds. Scottish Friendly then invests in a Standard Life Investments MyFolio Managed Fund.

You make one decision - the experts will do the rest

If you're the parent or guardian, simply choose which Scottish Friendly SF MyFolio Managed Fund is right for you based on your attitude to risk. The experts from Standard Life Investments Ltd who manage the underlying funds will then aim to produce the best possible returns for you for that level of risk.

The performance information we show here is for the underlying Standard Life Investments MyFolio Managed Funds rather than the actual Scottish Friendly funds you can invest in. As a result, it may not reflect exactly the returns your child could get through their Junior ISA investments, due to differences such as charges, tax and the timings of investments.

Choose a risk level and we'll show you the MyFolio Managed Fund designed to match.


Lower risk

Medium risk

Higher risk


Remember that past performance is not a guide to future returns.

How has it performed?

£1,400

£1,300

£1,200

£1,100

£900


If you had invested £1,000 in June 2013 this would now be worth ...

Remember, as with any investment, the value of your fund can go up or down, and may be worth less than you paid in.
Source: FE 30/06/2018

Where is your money invested?

The experts at Standard Life Investments Ltd who manage the MyFolio Managed Funds invest across the globe. They use different types of investments to try and get the best possible returns for the level of risk you’re happy taking.

Regional split for Standard Life Investments Fund

  • 30% UK
  • 30% Europe (ex UK)
  • 30% North America
  • 30% Emerging Markets
  • 30% Japan
  • 30% Asia Pacific
    (ex Japan)
  • 30% Money Market
    Instruments (Inc Cash)
  • 30% Specialist and other
    (including absolute return)

This map is a broad graphical representation of regional exposures and does not represent the detail of the holdings of the fund.

Asset class split for Standard Life Investments Fund

An asset class is a category of investments, such as equities or bonds. Normally assets in the same class have similar characteristics. But they can have very different returns and risks.

Equities
Part ownership in a company - often known as stocks or shares.

Bonds
Essentially loans to a government or company. Often for a set time period and usually pay regular interest. Bonds can be issued by governments or companies.

Property
Includes direct investment in buildings and land. Also indirect investments like shares in property companies.

Money market instruments (including cash)
Includes deposits with banks, governments and large corporations, as well as investments that are generally riskier than cash. Money market instruments can fall in value.

Specialist and other (including absolute return)
Other investments that don't fit into one of the other asset class categories. Includes direct and indirect investments in real assets like commodities, for example oil and precious metals. Also includes investments with specialist characteristics, such as absolute return investments.

More about asset classes at Where to invest.

How the Standard Life Investments MyFolio Fund has performed and where it invests.How the Standard Life Investments Managed Fund has performed and where it invests.

 Standard Life MyFolio Managed III Pension Fund

Data provided by FE.
Care has been taken to ensure that the information is correct, but it neither warrants, represents nor guarantees the contents of the information, nor does it accept any responsibility for errors, inaccuracies, omission or any inconsistencies herein.

Performance
Performance, Source: FE (Performance data). Performance, Source: FE (Performance data). These figures are based on performance from 30/06/2013 to 30/06/2018. They are calculated using the fund's bid price which is the price you receive when you sell units in a fund, and assumes that any income the fund generates is reinvested. It also takes into account the charges which apply to the fund.

Regional and Asset class splits

  • Regional splits
    Source: Standard Life Investments. These figures are based on information as at 30/06/2018.

  • Asset class splits
    Source: Standard Life Investments. These figures are based on information as at 30/06/2018.

Remember:

  • The information shown here is for the underlying Standard Life Investments MyFolio Managed Funds.
  • The investment performance of an easy option Junior ISA will differ from the performance shown above as it doesn't invest directly in one of the underlying funds. This is due to differences such as charges, tax and the timing of investments.
  • None of the Scottish Friendly SF MyFolio Managed Funds are suitable if you're not happy taking any risk with your child's money.
  • The value of your investment can go up or down and may be worth less than what was paid in.

Important information

For more details you should read through (and download/store) the

Scottish Friendly Product Guide

and Key Information Document for the fund(s) you’re interested in:

Key Information Document for the My Folio Managed I

Key Information Document for the My Folio Managed II

Key Information Document for the My Folio Managed III

Key Information Document for the My Folio Managed IV

Key Information Document for the My Folio Managed V

and

Standard Life Client Management Our Services documents.

Find out how we protect your privacy.

Apply online in minutes:

  • Decide how much you want to invest
  • Choose how much or how little risk you want to take

Apply now

Transfer a Child Trust Fund

  • Complete our freepost transfer form
  • During the transfer period, there's likely to be a time when your fund is not invested

Transfer now

  • Call Scottish Friendly 0333 323 5433 8.30 - 5.30 Monday to Friday. Call charges will vary.

This Junior ISA is available through Standard Life Client Management Limited and is provided by Scottish Friendly Asset Managers Limited.

Scottish Friendly Assurance Society Limited will pay Standard Life Client Management Limited monthly commission if you buy a My Ready-made (Junior ISA) through us. The amount paid is based on the value of your investment in the fund each year. Details of the actual amount of commission that would be payable on your policy will be provided in your welcome pack.

Standard Life Client Management Limited is registered in Scotland (SC193444) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH; and is authorised and regulated by the Financial Conduct Authority.