text: Dressed boards are ideal for the DIY or furniture specialist who work with projects such as shelving, any sort of furniture application or general decorative use. The consistent appearance and smooth texture make this product easy to work and finish.Standard Grade is suitable for applications where aesthetics are important, such as bookshelves or tables. Made from Radiata Pine, standard and better boards are easy to cut, stain or paint.
  Junior ISA is a tax efficient savings vehicle for children that was made available by the Government with effect from 1 November 2011. There are two types of Junior ISA available, Stocks & Shares Junior ISA and Cash Junior ISA.
  Stocks & Shares Junior ISA Trading Account allows you to make tax efficient investments in unit trusts, OEICs, UK shares, investment trusts and cash on behalf of child.
  The ISA Manager is James Brearley & Sons, of PO Box 34, Walpole House, Unit 2, Burton Road, Blackpool, FY4 4WX. James Brearley & Sons is a Member of the London Stock Exchange, Authorised and Regulated by the Financial Conduct Authority and a Member of the Wealth Management Association.
  JISA can be opened on behalf of children under 18 years of age. Children born between 1st September 2002 and 2nd January 2011 should have a Child Trust Fund (CTF), in which case the full value of the CTF would need to be transferred as part of the Junior ISA application.
  The child must be resident in the UK when the Junior ISA is opened (or a dependant of a crown servant living overseas). Although the funds in the Junior ISA belong to the child at all times, the JISA must be opened and operated by a ‘Registered Contact’ until the child reaches at least 16 years of age. The Registered Contact will be the person with parental responsibility for the child, with the child able to take over as the Registered Contact, if they wish, at age 16.
  The annual Junior ISA allowance for the tax year 2018/19 is £4,260. This amount can be split between a Stocks & Shares Junior ISA and a Cash Junior ISA, providing the overall limit is not exceeded in the tax year (6 April to 5 April).
  All investments available through your account will have been screened for both Ethical and Sharia compliance in accordance with the set criteria in the Ethical Investment Policy Statement. This document can be viewed on Simply Ethical website.
  Subject to the screening restrictions that apply to your access to investments, the service enables you to transact in following investments:
  Yes. 16 year olds who have already opened an adult Cash ISA are still eligible to open a Junior ISA if they do not have a Child Trust Fund. At the age of 16, an investor can hold £4,260 in a Junior ISA in stocks and shares or cash, and also an adult Cash ISA. Simply put, 16 and 17 year olds currently get two ISA allowances - £4,260 in a Junior ISA and £20,000 in adult cash ISA. That's because they're also allowed to open an adult Cash ISA from the age of 16 too. So under the current rules, they could save up to £24,260 in ISAs for the 2018/19 tax year.
  Normal ISA regulations apply. If you are an employee, spouse or dependant of a crown employee then they are able to open a Junior ISA. If you open a Junior ISA and later move abroad then standard client eligibility rules apply.
  This charge is subject to a minimum of £12.50 per quarter. This charge is calculated daily, based upon the value of your investments and charged to the account at quarterly intervals on 31st March, 30th June, 30th September and 31st December each year.
  The online dealing or trading fee is £5.95 per trade. This applies every time you buy or sell unit trusts, OEICs, investment trusts, ETFs, VCTs and UK shares.
  Please read our Charges Schedule for complete details. This is accessible through our website www.simplyethical.com or by contacting us.
  Every eligible child can hold both a Stocks & Shares JISA and a Cash JISA at any one time with the same or different product providers, providing the overall investment allowance is not exceeded.
  The Junior ISA will mature when the child reaches 18 years of age. At this time the child can withdraw the funds or rollover the investment in to an adult ISA in their own name. Withdrawals are not allowed at any time before age 18.
  Yes, providing you don’t exceed the maximum annual investment allowance you can add to the Junior ISA at any time during the tax year. Any person can subscribe to the child’s Junior ISA, including parents, grandparents, family members and friends. All subscriptions will be classed as gifts to the child, which means that once contributions have been added to the Junior ISA, under normal circumstances (except on early death or the diagnosis of a terminal illness), the funds cannot be withdrawn until the child reaches the age of 18.
  No, the funds in a Junior ISA are not available for withdrawal until the child reaches 18 years of age and at this time the Junior ISA maturity proceeds will be paid to the child and not the Registered Contact.
  Yes, from 6 April 2015 those with a Child Trust Fund (CTF) may transfer to a Junior ISA. This must be the whole amount as partial transfers are not allowed. Any such transfer will not count towards the child’s Junior ISA allowance.
  If your Junior ISA contains current year subscriptions only, the entire account must be transferred.
  To transfer your existing account, please complete our online account opening application and the transfer form.
  Cash transfer means that your current investments will be sold and the cash transferred to your Junior ISA for you to buy investments of your choice (subject, of course, to the Junior ISA eligibility rules and the investments being available on our platform and satisfying our ethical investment criteria).
  You may lose out on investment growth while your investment is not invested during the transfer period.
  Yes, we will require a completed transfer authority form from your new Junior ISA provider. We can make the transfer by cash or we can transfer your investment holdings direct to your provider without selling them. However, the way in which we transfer will be determined by your new Junior ISA provider’s terms and conditions. Note that there may be transfer out charges. Please read our Charges Schedule for complete details. This is accessible through our website www.simplyethical.com or by contacting us.
  Just like Stocks & Shares ISA, no tax is payable on the income or capital gains a child receives from Junior ISA savings and investments. Neither you nor the child has to include any information about the Junior ISAs in their tax return.
  The Registered Contact will need to make a claim to HMRC for the release of the funds. If they agree to the request, HMRC will issue a letter to confirm this. This letter must be forwarded to us and we will retain it. The return of funds can be made to the Registered Contact in cash or by transfer directly of the investments held in Junior ISA. Partial transfers out are permissible, and the Junior ISA can remain open, subject to any minimum balance that we may require to be held in the Junior ISA being maintained.
  On death, the child’s Junior ISA ceases and thereafter we will only accept instructions from their personal representatives on the account. Any subscriptions paid after death has occurred are invalid and will have to be returned. Dependent upon the eligible child's personal representatives’ instructions, the investments will either be sold and the proceeds paid to them, or the investments can be transferred to them.
  Please be aware that the value of the Junior ISA may be included as part of the child’s estate for inheritance tax purposes.
  In such unfortunate event, we are unable to complete any transactions and the investments will be frozen until a new Registered Contact is appointed. We will need to see the original (or certified copy) of death certificate. Another person with parental responsibility for the child (or the child if aged 16 or over) should then apply to become the new Registered Contact.
  Yes. After we have opened your account we will confirm this in writing. You will then have 14 calendar days starting from the day you receive this to change your mind and cancel your account. If you decide to cancel, you should write to us at our registered address.
  Once we have received your notification, we will give you your money back less any other payments, charges and fees in accordance with the Self Select Service Terms and Conditions. If your investments have fallen in value, you will get back less than you invested.
  If you wish to cancel the Junior ISA outside the 14 day period, the subscription counts as a subscription to a Junior ISA, the payments cannot be returned or paid out to the child and you will not be able to subscribe to another Junior ISA of the same type. Subsequent transfer to a new provider is permitted, upon receipt of the relevant request.
  If you do not cancel your account it will continue in force in accordance with the Self Select Service Terms and Conditions.
  The 14 day period also applies to Junior ISA transfer requests, so provided you cancel within the 14 day period, you can either:
  Transfer your Junior ISA back to the original Junior ISA provider, who is not obliged to accept the transfer back, or
  Close your Junior ISA and have the investments and/or proceeds returned to you, subject to Junior ISA rules
  If you do not cancel your transfer request, your transfer will form part of the child’s Junior ISA which will continue in force in accordance with the Self Select Service Terms and Conditions.
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