The Child Trust Fund - what do I need to know?

Every child born on or after 1 September 2002 will receive an initial lump sum payment of £250 (or £500 for families that qualify for full Child Tax Credit) from the government. A voucher will be sent to the Child Benefit claimant, usually the parent, which is then used to open a Child Trust Fund (CTF) account with the provider of their choice, likely to be a bank, building society or investment company.

Opening a Child Trust Fund account

Once you receive your CTF voucher, you can choose which type of account to open with it. The three types of CTF accounts are:

• Savings accounts - which provide a safe, risk-free home for your child's money.

• Share or equity-based accounts - which invest in listed companies. These carry risk because the value of the shares can fall as well as rise.

• Stakeholder accounts - are an investment vehicle designed by the government. Your child's money will be invested in shares but the account is run using special rules which reduce the risk and limit charges. The risk level of the investments is reduced when your child reaches the age of 13 so that it is not exposed to any sharp stockmarket falls in the last five years before it matures.

Child Trust Fund		Select
	Family Investments Family Investments is the UK’s favourite Child Trust Fund provider with over 30 years experience in providing investments for families. Wanting the best for your child is an aspiration that Family Investments know all about. In fact, we currently look after around £1.6 billion of family money for over 900,000 people in the UK and have a long track record in family savings plans. Issued and approved by Family Investments	Brochure
	More likely to earn you respect than christening them Brooklyn. Or Paris. A Child Trust Fund with real growth potential. The Jump CTF gives you access to some of the brightest thinkers in the investment world. Jump is based on the Witan Investment Trust, a global equity fund, that currently manages some £1.3bn on behalf of more than 40,000 investors. Witan’s portfolio is managed by a team of expert investment managers, handpicked because of their knowledge and ability to deliver long term growth come rain or shine. show more... show less Issued and approved by Witan Investment Services Limited	Brochure
Risk Warnings Hide Risk Warnings RISK WARNINGS The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested. The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon. All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Dianomi Limited's content shall not constitute any form of advice or recommendation by us. Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice. Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful. For further information on the rights and obligations of both you and us in relation to the use of this site please refer to Dianomi Limited's General Site Conditions which you agreed to when you accessed and used this site.

Ethical Child Trust Fund		Select
	Introducing the Family Investments Ethical Child Trust Fund Our Ethical Child Trust Fund allows you to choose a fund that will only invest in companies that pass set ethical criteria. For instance, we’ll avoid investing in companies that generate significant turnover from testing cosmetics or toiletries on animals, importing tropical hardwood or activities that pollute waterways. Currently we’re the leading Child Trust Fund provider, as more parents have taken out a CTF with us than with anyone else. show more... show less	Brochure

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