How will the recent government announcement regarding Child Trust Funds affect me?

If you have already been issued with a voucher or have an existing Child Trust Fund your existing investment will not be affected although you will no longer receive the additional government contribution on your child's 7th birthday.

Babies born after 1 August 2010 will receive a reduced voucher and children born after 3rd January 2011 will receive nothing.

If I have missed out on a voucher can I still open a Child Trust Fund?

No.  Although you can open a Healthy Investment Junior ISA to invest for your children until they are 18.

If your child has missed out on a Child Trust Fund, Healthy Investment's Tax Exempt Savings Plan for Children may be appropriate. This allows you to invest on a regular basis for a child and the proceeds are paid free of tax. Find out more here...

How do I invest my voucher in a Healthy Investment Child Trust Fund?

Everything you need to invest your voucher in a Healthy Investment Stakeholder Child Trust Fund or a Healthy Investment Ethical Child Trust Fund can be found on the website. If you want more information you can contact us.

What is a Stakeholder Child Trust Fund?

A Stakeholder Child Trust Fund meets all of the government guidelines on stakeholder products. This includes annual charges of 1.5% of the value of the fund, the ability to make additional payments from £10 and the automatic lifestyling of the investment.

What is Healthy Investment's Ethical Child Trust Fund?

Our Ethical Child Trust Fund avoids investments in companies in the alcohol, arms and tobacco industries. It is not a stakeholder product. You can find out more about it here...

What is lifestyling?

As the child grows older and the fund approaches maturity the investments in the fund are gradually switched from stocks and shares into less risky assets like government bonds. Whilst these investments may not generate as much return they are more stable and there is less risk of the fund value dropping sharply just as the child reaches 18.

If you have a stakeholder Child Trust Fund the fund will automatically be lifestyled unless you inform us otherwise.

How do I make additional contributions to a Healthy Investment Child Trust Fund?

Making additional contributions to a Child Trust Fund is very simple and anyone can do it, you don’t have to be a parent or guardian. You may complete this form and return it to us. 

Will the Child Trust Fund affect any benefits I receive?

When can the child have access to the Fund?

No one can access the money in a Child Trust Fund until the child reaches 18 when the money will be paid out to the child.

If the investment is not cashed in when the child reaches 18 the investment will be automatically rolled over into an ISA account.

In some cases where the child has been diagnosed as terminally ill it may be possible to access the funds before the child's 18th birthday if they are to be used for the childs benefit.

My children have missed out on a Child Trust Fund what can I do for them?

Unfortunately the government has decided to stop making contributions to Child Trust Funds and to not allow them to be opened with parental contributions.

If you have missed out on the Child Trust Fund one of Healthy Investment's Tax Exempt Savings Plan for children may be appropriate. You can invest from just £5 a month to build a useful sum for your child. You can also choose when you want the plan to mature. Find out more...

Children who missed out on Child Trust Funds can also have a Junior ISA.  Single and regular contributions from just £10 can be made.

Is the value guaranteed?

Healthy Investment's Stakeholder Child Trust Fund and Ethical Child Trust Fund are stock market based investments. The value can fall and rise and there is no guarantee on the amount the child will receive when the Child Trust Fund matures when they are 18.

How can I keep track of the value of the investment?

You can always request an up to date valuation by contacting us.

How do I notify you of a change of address?

You can change your contact details by completing the simple online form or you can write to us. Please remember to include the child's full name and reference number.

Why have Revenue & Customs allocated my voucher to Healthy Investment?

If you have been issued with a Child Trust Fund voucher and have not invested it within 12 months then HM Revenue and Customs will allocate it to a provider. We will then invest the funds and manage the Child Trust Fund on your childs behalf.

If your child's CTF has been allocated to Healthy Investment it is important that you register your contact details with us here...