Ethical Child Trust Fund
Doing the right thing
In safe hands
An investment account for children born between 1st September 2002 and 3rd January 2011.
If your child already has a Child Trust Fund with another provider you can transfer it to a Healthy Investment Child Trust Fund.
You might decide to make additional contributions to the Child Trust Fund if you have savings in a bank or building society and you 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
You 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 you can invest from one birthday to the next. The current limit is £4,128.
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.
If you have any doubt whether this Child Trust Fund is right for your child, you might want to consider talking to a financial adviser.
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 your 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 your child may get back less than is invested for them.
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. Your child may get back less than has been invested for them.
We publish every week the price of each unit held in your child’s Child Trust Fund here.
Junior ISAs have been available since the government stopped the Child Trust Fund scheme.
If your child does not have a Child Trust Fund they can open a Junior ISA.
Child Trust Funds can be transferred to Junior ISAs, however if you transfer your child’s CTF to a cash Junior ISA their capital will be guaranteed but they will miss out on the potential of a stick market investment.
You can find out about Healthy Investment’s stocks and shares Junior ISA, which includes some capital and bonus guarantees here.
HM Revenue & Customs automatically allocated the Child Trust Fund vouchers for those that were not invested within the first year.
If your child’s Child Trust Fund voucher was automatically allocated and you do not know which provider currently holds your child’s Child Trust Fund simply complete HMRC’s online form here
It generally takes HMRC around 3 to 4 weeks to respond to you.
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.
Make sure you have read and understood the information provided
Download and carefully read the Key Information Document. This is our standard client agreement and you should read these terms carefully for your own benefit.