It feels like yesterday that I first held you in my arms just after you were born. And here we are 16 years later, GCSE exams behind you and a world of opportunity beckoning. 

It’s hard to believe you’re a young adult now. You can leave school if you want (though I wouldn’t recommend it). Your national insurance card has just arrived in the post. And you can now start managing your own junior individual savings account (JISA). ..

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