Learn the rules, compare accounts and save steadily – five ways to make saving more efficient (and often more lucrative) for your offspring

A junior Isa is a long-term, tax-free way to save for children in the UK. The accounts were introduced in 2011 to replace the child trust fund (CTF), which was discontinued amid government spending cuts. Unlike CTFs, junior Isas are not started with a government voucher – all of the contributions are voluntary.

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