Adrian Childs

Why does the Chancellor care?

What benefit is it to the government?

If I take a, let's say notionally, let's say I had a million pounds in a savings account.

Instead of that, I buy some shares with those million pounds.

How does that help?

Because I'm buying the shares of somebody else.

I'm not sinking it into a company, right?

Shall we move on to putting money aside for your children?

Lots of questions before we get into them.

Just run us through the basics.

And how does tax work for children?

Before we get into ISIS, but explain how tax generally works.

Okay, so let's move on to the questions.

Nikki Ashby wants to know, how can I start saving for my 15-year-old son?

Most ISAs are for 16+.

OK, so Jen Henderson, does the amount put into a junior ISA come out of the contributors, i.e.

the parents' ISA allowance for the year?

OK.

Tracy Dowler, can you move a child trust fund if the interest rate is no good and can you have a junior ISA at the same time?

Claire Spencer, my daughter is 16 and has money in the government trust fund.