Baby isa

[JL642]

Hi all
Keen to open some sort of fund / ISA / savings account for my child for them to have ultimately when they’re older (18, 21, 25 tbc). The view would be for us to put a small amount in each month, and any money child received from grandparents etc. what’s best for this? Is it a junior Isa? Or should we explore other options?

Junior ISA, Stocks & Shares version given the long timescale. It is accessible at age 18.

If you want to put money aside and control when they get access, use your own ISA allowance and gift them the money when you decide to do so.

We save for our children in premium bonds and a stocks and shares ISA. I wanted to still be able to access the money if needed and didn't want it all to automatically go to them when they turn 18, so the majority is saved in premium bonds which I have full access to. A smaller proportion is saved in a stocks and shares ISA which will go straight to them when they turn 18