• Saving for children
  • How to Invest

    Open an F&C Savings Plan

    Call: 0800 136 420

    Invest for children here

    The value of your investments can go down as well as up, and you may not get back what you originally invested.

  • Investing for children? Here is everything you need to know

     

    The hustle and bustle of daily life can make it difficult to find time to plan for the child in your life’s financial future. Many save for children through cash savings accounts, but with interest rates on cash savings at, or around, historic lows, it’s worth thinking about the investment options available to you with the potential for higher returns. 

    Our range of children’s investment products are specially designed to help you give children a head start in life in a simple, affordable way. To help you get started, we’ve answered some key questions about investing for children below.

    What should I consider before I invest for a child? 

    We recommend asking yourself the following three questions before you invest to help you select the option which is best fit for your circumstances.

    1) What do I want from the investment?

    Think about your aims – are you looking to give the child a helping hand when they turn 18 with university costs, buying a car or a home? Or would you like to invest long-term for the child to access a savings pot later in life?

    Do you want to give the money to the child now, safe in the knowledge that it’ll be looked after for them until they are 18? Or would you like to keep control of the investment and have more input into what it’s spent on, and when?

    2) How much do I want to invest each year?

    Would you prefer to invest small, consistent amounts (for example on a monthly basis), or invest one or more larger one-off sums?

     

  • 3) How do you feel about taking some risk with your investment?

    You need to ensure you are comfortable with the risk involved in investing in our trusts. They are subject to differing risks and you may not get back your original investment.

    Deciding what your investment goals are, what you can afford to save and your appetite towards risk before you open an account will help you get the most out of your chosen investment option.

    Will it be time consuming? 

    We understand that time is precious, that’s why we have investment products designed especially with you in mind. We make it easy to find the right product for you. You can set them up in a way that suits you – whether that’s by phone, online or by post.

    Do I need to know a lot about the stock market? 

    You don’t need to be an expert on stocks and shares investments to open one of our specifically designed children accounts. All 10 of our Investment Trusts are looked after by professional Fund Managers who manage the assets in the trusts. We take care of investing in a wide range of assets and companies to diversify your investment and monitor the market daily.

    What options are available to me? 

    We offer Junior Individual Savings Accounts, Children’s Investment Plans and Child Trust Funds – take a look at the handy comparison table below to learn more about each product.

    The value of your investments can go down as well as up, and you may not get back what you originally invested. If you feel you need specific investment advice that take your individual circumstances fully into account, please talk to a financial or tax adviser.

    Ready to take the next step and begin making a difference to a child’s future with an investment? Call us on 0800 136 420 or email info@fandc.com to open your account with us. 

     

  • Children's product table

Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.

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