As at 31 July 2015. For illustrative purposes only. Learn more about this graph

As at 31 July 2015. For illustrative purposes only. This graph shows the comparative average returns of a Junior Stocks and Shares ISA (based on the UK IA Mixed Investment 40-85% sector, source: Morningstar) against Cash (based on LIBOR, source Factset), with figures adjusted for inflation. Index returns assume reinvestment of dividends and capital gains and unlike fund returns do not reflect fees or expenses. The index is unmanaged and cannot be invested directly. Please refer to the disclaimer for related risks.

Important information.

Past performance is not a guide to future performance. The value of investments and any income is not guaranteed and can go down as well as up and may be affected by exchange rate fluctuations. This means that an investor may not get back the amount invested. Columbia Threadneedle Investments does not give any investment advice.

If you are in doubt about the suitability of any investment, you should speak to your financial adviser. The research and analysis included in this document has been produced by Columbia Threadneedle Investments for its own investment management activities, may have been acted upon prior to publication and is made available here incidentally. Any opinions expressed are made as at the date of publication but are subject to change without notice.

Information obtained from external sources is believed to be reliable but its accuracy or completeness cannot be guaranteed. Issued by Threadneedle Asset Management Limited. Registered in England and Wales, No.573204. Cannon Place, 78 Cannon Street, London, EC4N 6AG. Authorised and regulated in the UK by the Financial Conduct Authority. Columbia Threadneedle Investments is the global brand name of the Columbia and Threadneedle group of companies. columbiathreadneedle.com