Child Trust Fund (CTF)

A Child Trust Fund (CTF) can help children get to grips with the basics of personal finance. They can continue to add to an existing fund to provide a valuable source of money at age 18, which they can use towards whatever the future may hold.

Children born on or after 1st September 2002 and before 2nd January 2011 were issued with a Child Trust Fund voucher from the Government. The voucher (worth £250, reducing to £50 for children born after 31st July 2010 but before 3rd January 2011) can be used to open a Child Trust Fund until your child's first birthday.

Parents, friends and relatives can continue to make additional contributions to your child's investment from as little as £10 per month, up to an overall yearly total of £1,200.

The government have stopped issuing new Child Trust Fund vouchers for all children born after 3rd January 2011. Read more about the changes to Child Trust Funds announced by the Government on the 24th May 2010. (PDF opens in new window)

• Our Child Trust Fund (CTF) is a stocks and shares based investment which aims to provide the potential for growth over the longer term.
• Invest your Child Trust Fund (CTF) voucher awarded by the Government in order to start the fund. Families on low incomes may have qualified for more than £250 (£50 if the child was born after 31st August 2010 but before 3rd January 2011).
• Parents, friends and relatives can continue to make additional contributions to your child's investment from as little as £10 per month, up to an overall yearly total of £1,200.
• The fund is available to the child when they reach 18.
• The Plan will be managed so that income and gains will be free from all personal tax. This does not take into account any tax that may have been paid on any investments held within the fund or taxes paid by the fund before reaching the child but please remember tax rules may change in the future.
• No upfront charges and a competitive yearly management charge.
• While your child enjoys the potential for good returns, they may get back less than was originally invested.

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Key Features of the Child Trust Fund  (PDF opens in new window)

Plan Conditions of the Child Trust Fund (PDF opens in new window)

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To read the PDF document with a screen reader please link to the Access Adobe website.

If you would like find out more about how to top up your Child Trust Fund (CTF), or want information about investing a valid Child Trust Fund voucher, please call us on 0845 609 0064.

We have not provided any advice on the suitability of this product for your needs. If you need advice as to whether or not this plan is suitable please seek independent financial advice.  You may be charged for any advice given.