Children's Unit Trust

The Children's Unit Trust is a way to invest for any child over the medium to long term. The plan is held in trust for the child until they are 18 and, as a trustee, you stay in control of the investment until then.

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It's up to you how you pay in

Start with a minimum lump sum of £250, which you can then top up with payments of £50 as and when you wish.

Or:

Pay regularly by investing as little as £30 a month by Direct Debit. You'll still be free to add lump sum payments at any time.

You can open plans for as many children as you want. There's no upper limit on the amount that can be invested, so friends, family or godparents can chip in too.

As with all stockmarket-based investments you should regard the Children's Unit Trust as a medium to long-term investment. Because it invests in shares, the value of the account can go down as well as up, so the child may get back less than was paid in.

Please note that Family Investments does not provide advice. If you have any doubts about the suitability of any of our products you should seek independent financial advice.

See below for a choice of funds to invest in.

For more detailed information about our Children’s Unit Trust, including Key Investor Information documents for the funds, please click here.

The fund’s prospectus is also available here or by contacting us. This document is designed for experienced investors and provides complex and detailed information about the funds.

Its aims

  • To achieve long term growth by investing in shares, on behalf of a child.
  • To offer a choice of two funds (see below):
  • Family Asset Trust - This fund will closely follow the performance of the FTSE350 (excluding Investment Trusts) Index.
  • Family Charities Ethical Trust - This fund will closely follow the performance of the FTSE4Good UK 50 Index.

Your commitment

  • You can open a CUT on behalf of a child with a £250 lump sum or by committing to invest at least £30 a month by Direct Debit.
  • You may also make additional one-off payments of at least £50.
  • You don't have to maintain monthly payments or save for a set period of time, but, as the investment is linked to the stock market, you should be prepared to invest for at least 5 years.



The risks

  • Because the money in the CUT is invested in shares, its value can go down as well as up.
  • If you decide to cancel and the value of the investment has fallen, the amount returned may be less than the amount invested.
  • There is a chance that the child may get back less than was invested.
  • Tax law may change. If this means that the funds will be taxed more, then this will affect the potential growth on your investment.

The Family Asset Trust

The Family Asset Trust aims to achieve growth by investing mainly in shares that make up the FTSE350 (excluding Investment Trusts) Index in order to closely follow its performance.

The FTSE350 (excluding Investment Trusts) Index is made up of the companies listed in the FTSE100 and FTSE250 share indices but does not include Investment Trusts.

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The Family Charities Ethical Trust

The Family Charities Ethical Trust aims to achieve long-term capital growth by investing in UK shares that closely follow the performance of the FTSE4Good UK 50 Index.






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Download an application pack

Download a Children's Unit Trust Third Party Payer form

“FTSE ®” is a trademark jointly owned by the London Stock Exchange Plc and the Financial Times Limited and is used under license by FTSE. FTSE does not sponsor, endorse or promote this product.