Investments for Children

We offer a selection of other children’s investment products. So if your child or grandchild doesn’t qualify for the Child Trust Fund, or you just want to put a little bit extra aside for when they grow up, why not consider one of our other options?

Product	Summary	Payment Limits	Investment length
Children’s Unit Trust	A way to invest for a child or grandchild over the medium to long term	Minimum £250 lump sum, or £30 per month	No fixed term	More info
Junior Bond	A long term, tax-exempt* regular savings plan for an adult to save on behalf of a child	£15 to £25 per month	10 to 25 years	More info
Child Trust Fund	For children with a Child Trust Fund voucher to invest.	Up to £100 per month or £1,200 each year	Until the child is aged 18	More info

As the products on this page are linked to the stockmarket, their value can fall as well as rise meaning that your child may receive back less than was paid in.

Children’s Unit Trust

The Children’s Unit Trust is another way to invest for a child or grandchild 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.

It’s up to you how you pay into the plan:

• 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.

You can choose between two funds to invest the money into:

• The Family Asset Trust, which aims to achieve long-term capital growth by closely following the total return of the FTSE 100 Share Index, investing a range of UK companies, keeping your investment close to home; or
• The Family Charities Ethical Trust which also aims to achieve long term capital growth by closely following the performance of companies included in the FTSE4Good UK 50 Total Return Index.*

It’s all about investing for a child in the way that’s best for you.

As with all stock-market based investments you should regard the Children’s Unit Trust as a medium to long-term investment.

Request an information pack

Download an application form

Download the Children's Unit Trust Third Party Payer Form

Junior Bond

The Junior Bond is a long term tax-exempt* regular savings plan. It allows anyone to save for a child’s future from as little as £15 a month.

The minimum term is 10 years. If you save regularly up until the child’s 18th, 21st or 25th birthday they could receive a worthwhile lump sum to add to their finances.

We give you a choice of investments.

• Invest in our Sovereign Fund, which aims to achieve long-term growth, while spreading risk across a wide range of investments. It invests mainly in both UK and overseas shares along with fixed interest investments and property. It does this by investing in one or more other funds. It may also invest in property directly; or
• Save using our Ethical Junior Bond, which aims to achieve long term capital growth by closely following the performance of companies included in the FTSE4Good UK 50 Total Return Index.

To be included in the FTSE4Good UK 50 Total Return Index, companies must meet globally recognised corporate responsibility standards. These include:

• Making a positive contribution towards environmental sustainability
• Upholding and supporting human rights
• Ensuring good supply chain labour standards

The FTSE4Good UK 50 Total Return Index also avoids any investment in companies involved in tobacco production, nuclear weapons and whole weapon systems.

Request an information pack

Apply online

Download an application form

If you don’t want to apply online, you can also call our Customer Service Team on 0800 731 7433. Open 9am – 5.30pm weekdays and 9am – 12 noon Saturdays (calls may be monitored or recorded for training purposes).

* Tax advantages depend on individual circumstances and may change in the future.

"FTSE ®" is a trade mark 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.