Ethical Child Trust Fund

If your client wants to be sure that the money they’re putting aside for a child is being invested ethically, then this Child Trust Fund is ideal. Again, remind them that stocks and shares can rise and fall, and that the child may not receive back as much as they’ve invested.

Doing the right thing

None of their child’s money will be invested in the alcohol, arms or tobacco industries, or with gambling and pornography providers.

In safe hands

We look after over 80,000 Child Trust Funds, so you can rest assured that we’ll invest your clients’ money wisely.

Less risk

Money put into our Ethical Child Trust Fund will be invested in a mix of different assets. They’re usually less volatile than a stakeholder fund, but may not generate as big a return.

You or your client can ask us for a statement of the current value of the fund at any time.

Your client is investing to provide a cash sum for a child when they turn 18.

This is an investment account for children born between 1st September 2002 and 3 January 2011.

Your client can invest in the fund today, with as little as £10.

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Important Points

Is it right for the child?

If the child already has a Child Trust Fund with another provider this can be transferred to a Healthy Investment Child Trust Fund.

They might decide to make additional contributions to the Child Trust Fund if they have savings in a bank or building society and they are now looking to put some money into a tax free investment for the child which has some risk that the child might get back less than has been paid in, in return for the possibility of a higher return.

Things to think about

Parents can make one off or regular additional investments, online, by cheque or by direct debit.

Because of the tax advantages of Child Trust Funds the government limits the amount that can be invested from one birthday to the next. The current limit is £9,000.

You should see this as a long term investment as generally no money can be taken out until the child is 18.

Tax and rules for Child Trust Funds could change.

As a stock market based investment the value of the fund can go up and down.

What the child gets back will depend on how well our investments do.

Our Ethical Child Trust Fund

The Healthy Investment Ethical Child Trust Fund invests in a range of stocks and shares, government and corporate bonds, commercial property and cash deposits. It does not invest the child’s money in companies involved in alcohol, arms or tobacco industries and gambling and pornography providers.

The Healthy Investment Ethical Child Trust Fund is not a Stakeholder Child Trust Fund. It invests in slightly less risky assets which may be less volatile but over the course of the investment may not generate as big a return.

The Ethical Child Trust Fund includes stock market based investments which means that the value of the fund may fall as well as rise and the child may get back less than is invested for them.

What could they get back?

The Healthy Investment Ethical Child Trust Fund has the growth potential of a stock market based product, which means that the value of the fund may fall as well as rise. The child may get back less than has been invested for them.

We publish every week the price of each unit held in the child’s Child Trust Fund here.

The Key Information Document includes examples of what your client might receive back based on different investment scenarios. It also helps you and them understand the nature, risks, costs, potential gains and losses of this product and to help you compare it with other products.

Download the latest Key Information Document for our Ethical CTF here.

Download

Junior ISAs

Junior ISAs have been available since the government stopped the Child Trust Fund scheme.

If the child does not have a Child Trust Fund they can open a Junior ISA.

Child Trust Funds can be transferred to a Junior ISA, however if they transfer the child’s CTF to a cash Junior ISA their capital will be guaranteed but they will miss out on the potential of a stock market investment.

You can find out about Healthy Investment’s stocks and shares Junior ISA, which includes some capital and bonus guarantees here.

Trace a lost Child Trust Fund

Important Documents

Key Information Document
Download
Terms and Conditions
Download

If there's anything
you don't understand,
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Call Jerrol on 0161 762 5790

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Working in partnership

Recommending and submitting business to Healthy Investment is easy. There are a number of options and all of our products can facilitate the payment of your fees.

All of the financial advisers we work with have their own dedicated Healthy Investment Business Development Executive.