All Share ISA

For Child Trust Fund holders when they’ve turned 18


If you have a Healthy Investment Stakeholder Child Trust it will, on your 18th birthday, automatically convert to an adult Healthy Investment All Share ISA, with all of the same features, benefits and risks as the existing Child Trust Fund.

You don’t have to do anything, it will continue to be invested until you need it for your financial future.

A wide range of
stocks and shares


Our All Share ISA invests in many different stocks and shares by tracking the performance of over 600 of the UK’s top companies.

Available when
you need it


You can leave your investment until you’re ready to use it for something important. When you need it you can withdraw it whenever you want.

Keeping track of
your investment


Every week we publish the price of each unit held in your ISA to help you see the current value of your investment.

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We’re experienced – we’ve been looking after people's savings and investments since 1835.
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In addition to the amount that has been automatically transferred from your CTF you can add to your ISA whenever you want – up to the government maximum of £20,000.

no tax
Just like your CTF you won’t have to pay tax whenever you withdraw from your ISA and there’s no tax to pay when your investment increases in value. 
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The All Share ISA should be seen as a medium to long term investment but is very flexible, money can be added or withdrawn at any time.


Important Points


Every child born in the UK between 1 September 2002 and 2 January 2011 will have a Child Trust Fund (CTF).

They were opened with a voucher given to parents or guardians and designed to encourage long term savings to give young people a good financial start to adult life. The government made an initial contribution of either £250 or £500 (later reduced to £50) and once opened parents, grandparents and family friends could make additional investments into the fund, up to an annual limit that was set by the government.

Many parents and guardians chose not to invest the voucher and let HM Revenue & Customs, who ran the scheme for the government, allocate the voucher to one of a number of providers including Healthy Investment who were specially selected to operate Stakeholder CTFs.

The government set out specific safeguards including how much risk providers could take, how much they can charge and how often you receive a statement in order for the CTF to be designated a Stakeholder CTF and for the provider to participate in the HMRC allocation scheme. 

The Healthy Investment Stakeholder Child Trust Fund invests in a wide range of stocks and shares in order to spread the risk of a single share or sector underperforming by investing in The Healthy Investment All Share Unit-linked Life Fund. The fund, which was previously called the Healthy Investment Stakeholder CTF Equity Unit-linked Life Fund, is currently 100% invested in the Legal & General UK All Share Tracker Fund.

Important Documents


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If there's anything
you don't understand,
we're here to help.
Call Jerrol on 0161 762 5790


Alternatively you can
send us a message
using our contact form.

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Your All Share ISA

Save for your financial future with one of UK’s longest established Friendly Societies

Your All Share ISA tracks the performance of over 600 UK companies

When you want to add to your investment or make a withdrawal just give us a call or send a message

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