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Give your child a financial headstart to their adult life
Eligible children receive a £250 voucher from the government to invest in a Child Trust Fund, and another contribution at age 7. It's all aimed at giving them a good financial start to their adult life. But the real power behind building up a useful sum for when your child turns 18 comes from adding to their Fund - either lump sums or on a regular basis.
You, your family and friends can all contribute to your child's account – up to a total of £1,200 a year (birthday to birthday) - it is a gift that really has the potential to grow as fast as they do!
Once added to the account, the money belongs to the chid but can only be withdrawn at age 18.
We've a choice of accounts to help you make the most of your child's Fund: each gives you a way to invest in the stock market for the potential growth that it offers.
Self-select Shares CTF |
Index-Tracking (Stakeholder) CTF |
Growth in the value of your child's investment is free of capital gains tax and there's no further liability to income tax on any income your investments provide.
Of course, investing introduces a higher degree of risk than just putting cash into a savings account. But by spreading your investments, and choosing only those that suit your aims and objectives, you can get that right balance between risk and return. Our free investment selection tools will help you make your choices.
In addition to your government vouchers, you, your friends and family can pay in to the child’s CTF account in the following ways:
Self-select Shares CTF
|
Index-Tracking (Stakeholder) CTF
|
Investing in your children's future is a worthwhile thing to do. But you need to look to your own future too!
Our SIPP Dealing account can help you to do just that.
Plus for shorter-term, but tax-efficient investing, check out our ISA service – use your annual £7,200 ISA allowance to good effect - no CGT liability and no additional income tax to pay on investment income.
Please remember: The value of investments may fall as well as rise and you may get back less than you originally invested. Limited liability instruments mean that you cannot lose more than you have invested. The risks associated with different instruments will vary: you should choose investments appropriate to your needs and consider your overall mix of different investment types.
Please note that not all investments are available in all account types.