Deciding how your child’s money is invested
When you have decided to place your child’s Child Trust Fund voucher with us, the first thing you need to do is choose how you want us to invest the money.
We offer both a Stakeholder Child Trust Fund and an Ethical Stakeholder Fund option. It’s up to you to choose the one best suited to your needs. Both accounts invest in shares and aim to achieve long-term capital growth.
| Type of account |
Investment information |
|
| Stakeholder Child Trust Fund |
This account invests in UK and overseas shares and closely follows the performance of the FTSE 100 Total Return Index, FTSE Europe Ex UK Total Return Index, FTSE Developed Asia Pacific Total Return Index and FTSE USA Total Return Index. |
| Ethical Stakeholder Child Trust Fund |
This account closely follows the performance of companies included in the FTSE4Good UK 50* Total Return Index. |
Why we invest in shares
Although we know that share values can fall as well as rise (meaning that your child could get back less than was paid in), we believe that, over an 18 year period, a Stakeholder account offers the potential of greater growth than a cash account.
This is because the Stakeholder account offers some protection against the risks involved when investing in stocks and shares.
From your child’s 13th birthday, we’ll start to move the investment from shares to lower risk investments, helping to protect your child’s savings towards the end of the investment period. Please note, however, that Stakeholder accounts may not be suitable for everyone, and returns are not guaranteed.
Who looks after your child’s money
The Investment Advisor for our funds is Santander Asset Management UK Limited. Winners of the Gold Standard Award for Fund Management in 2009.
As a division of Santander, they have a presence in 14 countries and manage funds in excess of £100 billion around the world with a team of more than 1,100 professionals.
As the Investment Advisor, they are responsible for making the day-to-day decisions to buy, hold or sell the fund’s assets (e.g. shares and fixed interest investments), subject to our direction and in line with the fund’s investment objectives.
* “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.
Why choose Family Investments?
- The UK’s favourite Child Trust Fund provider. We look after the CTF accounts of over 1 million children
- The only stakeholder Child Trust Fund account you can manage online
- 9 out of 10 of our customers surveyed say that they would recommend us to a friend*
- As a mutual we’re owned by our customers, so our profits are reinvested for their benefit.
- Over 30 years experience of providing financial solutions for families
- Chosen to provide the Child Trust Funds for high street names such as Santander, the Post Office and Barclays
Find out more about us
Family Investments does not provide advice. If you have any doubts about the suitability of this product you should seek independent financial advice.
* Family Investments Child Trust Fund customer panel research September 2009.
