Stakeholder CTF account

With Stakeholder Child Trust Fund Accounts a lifestyle investment approach is taken. This means the investment takes advantage of the long-term growth potential of the stock market in the child's early years. Then, as they get older, the money that may have built up will be moved to a lower-risk fund.

However, please be aware that the value of the child's investment may go down as well as up and they may not get back all that has been paid in.

Family Investments are a Child Trust Fund provider that offer this option. They look after the CTF accounts of more than half a million children and have been helping families invest for their future for over 30 years.

Key benefits

• No hidden charges - one simple management charge of 1.5% per annum.
• The growth potential of a stock market based investment.
• Parents, family members, friends and even the child can add a combined total of £3,600 to the account each account year.
• It's quick and easy to apply online - then save by direct debit, standing order, cheque, direct credit or debit card.
• Add to the account as and when it suits you, by phone or post.
• Growth in the fund is tax-free and there is no capital gains tax to pay.

Risks

• The value of the investment may go down as well as up. The child may not get back all that has been invested.
• Satisfying the minimum Child Trust Fund standards does not mean that this investment is suitable for the child, nor that there are any guarantees regarding performance.
• The child's cash lump sum payout at age 18 will depend on investment performance and cannot be guaranteed.
• Once the money is paid into the Child Trust Fund it is locked in. It can only be accessed by the child, and not before they reach age 18.

Opening a Stakeholder Account

For more information or to request an application pack from Family Investments, you can telephone them on freephone 0800 616695 or visit their website at familyinvestments.co.uk