Child Trust Fund


Every child born in the UK between 1 September 2002 and 3 January 2011 was issued with a Child Trust Fund (CTF) voucher to encourage saving for your children. We’re owned and run by our members, so only the child will benefit from any money you invest.

Whether you are the parents or guardians of the child, we offer two kinds of CTFs to help you save and invest in your child's future.

Investing for your children is an alternative to bank and building society children's savings accounts.

We can also help with transferring your Child Trust Fund.

All of the key information you need to ensure it's the right CTF for your children's savings is available on our website.



Stakeholder

Our stakeholder Child Trust Fund meets all the government’s criteria for this kind of fund. It invests in a wide range of stocks and shares to minimise the risk of one share or industry under-performing.

Because it’s a stakeholder Child Trust Fund it doesn’t necessarily mean that the investment is suitable for your child or that performance is guaranteed, but it does mean the charges are capped and that there are a variety of different ways you can make additional contributions.

Once a Child Trust has been set up, anyone - parents, grandparents or family friends - can make one off or regular investments.




Ethical

With this fund, we make sure that the children's savings are not invested in the alcohol, arms and tobacco industries and gambling and pornography providers. You wouldn't buy them for a child so why invest their money in companies that produce them.

It’s not a stakeholder fund but invests in a mix of stocks and shares, government and corporate bonds and bank deposits. Again, investment performance isn’t guaranteed.

If ensuring that your child's savings are being invested ethically then this could be the Child Trust Fund for you.