Child Trust Funds - Trust Fund Voucher - Child Tax Credit - Ethical Trust Funds

If you have a Government Child Trust Fund voucher then you’ll need to invest it in a Child Trust Fund account, like the one provided by Family Investments.

A stakeholder Child Trust Fund account is the type of account the Government will automatically choose for your child if you don’t invest your child’s CTF voucher before its expiry date, although this does not mean that the stakeholder account is suitable for everyone or that returns are guaranteed.

The Family Investments Child Trust Fund is a stakeholder account. Important points about our account include:

Family and friends can contribute to the account up to a combined total of £3,600 per account year.
'Lifestyling', where, from around your child’s 13th birthday, we start moving the investment away from shares and into lower risk investments, like cash. This is to help guard against falls in value during the last 5 years of the account.
Annual Management Charges capped at 1.5%.
Because the account invests in stocks and shares, its value can fall as well as rise and your child could get back less than was paid in.

For more information about the Family Investments' Child Trust Fund accounts, please see the information below, including the aims, commitment and risks.

Download ‘All you need to know about our Child Trust Fund’

Download ‘All you need to know about our Ethical Child Trust Fund’

Its aims

To provide a child with a tax-free lump sum at the start of their adult life which they can use to invest in their future.
Our stakeholder account aims to achieve growth by investing in a fund that currently holds both UK and overseas shares that closely follow the performance of a number of stock market indices.
Our Ethical Stakeholder account aims to achieve growth by investing in shares that closely follow the performance of the FTSE4Good UK 50 Total Return Index.

Your commitment

To open a Child Trust Fund account you must use the Child Trust Fund voucher provided by HM Revenue & Customs.
You, or anyone else, can choose to put an additional combined total of £3,600 a year into the account. You don't have to make any additional payments if you don't want to.
Any additional payments are considered a gift to the child and cannot be returned.
The money in the account can only be taken out by the child and only once they reach age 18.

The risks

Because the money is invested mostly in stocks and shares, its value can go down as well as up.
There is a chance that the child may get back less than was invested.

The tax advantages of Child Trust Fund accounts may change in the future. If this happens, the potential growth of the account may be reduced.

Payment methods

Set up a regular Direct Debit either online or by telephone
Make one-off payments by Direct Debit
Send us a cheque
Set up a bank transfer or standing order

Save as you spend with KidStart

Shop through KidStart, and they'll pay cashback straight into the child's Child Trust Fund, so you can put money away with every purchase you make. Visit the KidStart website to find out more.

Transferring an existing account to Family

Even if you have a Child Trust Fund (CTF) set up with another provider you can still transfer your account to us. It's easy, and we won't charge you a thing.

Download a transfer form*

Download a transfer form (ethical)*

If your child's voucher is past its expiry date, the Government will have allocated it to a stakeholder account provider for you.

If your child's account has been allocated to another provider but you'd rather be with Family, the UK's favourite CTF provider, just complete one of the transfer forms above. Before you transfer a Child Trust Fund to us, please make sure you are happy with the type of account we offer.

If you are not sure which provider your child's CTF is with, contact the Government's Child Trust Fund helpline on 0845 302 1470.

Become the Registered Contact

If your child's account has been allocated to us by the Government then you'll be classed as the 'correspondent' for the account. This means that although we'll send the child's statement to you, we won't be able to accept any instruction from you on how the account is managed.

To manage the account until your child reaches age 16, you will need to become the 'Registered Contact' for the account.

Download the 'Become a Registered Contact' form*

* In order to view and print these forms, you'll need the free Acrobat Reader from Adobe. If you do not already have Acrobat Reader installed, click here to download it for free.

A little thank you…

… for opening a new Child Trust Fund with us.

If you set up a regular Direct Debit with us when you take out a Child Trust Fund, you could get up to £25 to spend at Boots, or a tree planted on your behalf. Remember, any money paid in to the account belongs to the child. Only they will be able to access it, and only at age 18.

Set up a regular Direct Debit for	Your Gift
£10 to £19.99 a month	£15 Boots voucher Or A tree planted on your child's behalf with the Tree Appeal
£20 or more	£25 Boots voucher Or £15 Boots voucher and a tree planted on your child's behalf

Set up a regular Direct Debit for

Your Gift

£10 to £19.99 a month

£15 Boots voucher

Or

A tree planted on your child's behalf with the Tree Appeal

£20 or more

£25 Boots voucher

Or

£15 Boots voucher and a tree planted on your child's behalf

Your Boots voucher will be sent to you shortly after we receive your first Direct Debit payment. Gifts are not available for transfers from other providers.

Our Child Trust Fund

Invest your child’s Child Trust Fund voucher

Its aims

Your commitment