• Invest in your Child's Future
  • How to Invest

    Open an F&C Savings Plan

    Call: 0800 136 420

    Invest online now

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

  • How investing early could help the child in your life's future

    As the new school year approaches or for some children has already begun, thoughts inevitably turn to the future. As well as making plans for the next phase of academic life, there is also a strong case for taking time to consider the long term financial future for the child in your life. Click here to read our latest article on all things, ‘Back to School’. 

    Back to school

  • Our Children's Savings Plans

    Junior ISA

    The F&C Junior ISA offers families a tax-efficient and award winning product specifically designed for children. Whether you want to help with a deposit for their first home, university fees, a gap year trip or a savings pot to give them a financial boost into their adult life, the Junior ISA offers the ideal investment vehicle to do this. If a child already has a Child Trust Fund (CTF), they cannot also have a Junior ISA. They are however able to transfer a Child Trust Fund into a Junior ISA. The F&C Junior ISA offers a number of benefits to help you give your child the financial head start in life they deserve.

    • Invest from as little as £1 per day - you can build a nest egg for your child by saving from as little as £30 per month, that's less than £1 a day. Alternatively invest a lump sum of £250 (after an initial first investment of £500). So you can top up your child's account in the way that best suits you.
    • Access to our select range of 10 investment trusts - our investment trusts invest in a range of asset types including; equities, bonds, property and private equity, both in the UK and globally. These investment trusts all benefit from the skills and expertise of our team of fund managers. Click here to find out which trusts could be right for you.
    • All the family can participate - Grandparent's, godparents, friends and relatives can all contribute to your little one's savings pot. Great for birthday or Christmas gifts.
    • Tax-efficient savings - Neither you nor your child will pay tax on income or capital gains in the F&C Junior ISA so your child can make more of the money you've saved. The annual subscription limit for 2017/18 is £4,128.
    • Long-term potential of stock market investing - take advantage of the benefits that investing in the stock market can offer. Whilst capital isn't guaranteed as it is in a cash account, historically equities have significantly outperformed cash over the long term.

    What will this cost me?

    • Annual charge - £25 + VAT
    • Dealing charges per holding for postal instructions - £12 and £8 per holding for online instructions. These charges do not apply to the reinvestment of dividends and/or monthly installments.
    • Government stamp duty of 0.5% also applies on purchases of UK shares only.

    Find out more about our Junior ISA here.

    Start Investing today by Applying Online here.

    Children's Investment Plan

    The F&C Children's Investment Plan offers families a fully flexible way to save for your child or grandchild and capture the growth potential of the stock market. Everyone wants the best for their children and F&C, as one of the leading providers of children's savings products, can offer you a number of benefits to help you create a savings fund for whatever their future holds.

    • Full flexibility - Unlike the Junior ISA and Child Trust Fund (CTF) you can decide when you gift the money to the child and if you set the plan up in your name or the child's. You can also make withdrawals related to the child, making it ideal for childcare costs, school trip funds or even school fees.
    • Range of savings options - You can build a nest egg for your child by saving from as little as £25 per month, that's less than £1 a day. You can also invest a minimum £250 or a combination of both and top up your investment plan at any time.
    • No investment limit - You can maximise the tax allowances available to your children by investing up to the maximum limits in a CTF or Junior ISA and any additional contributions could then be invested into a Children's Investment Plan.
    • Maximise your inheritance tax advantages - Grandparents who are saving for their grandchildren can reduce their inheritance tax (IHT) liability as sums gifted to the child are free of IHT if the donor survives for seven years after making the gift.
    • Access to our select range of 10 investment trusts - our investment trusts invest in a range of asset types including; equities, bonds, property and private equity, both in the UK and globally. These investment trusts all benefit from the skills and expertise of our team of fund managers. Click here to find out which trusts could be right for you.
    • All the family can participate - Grandparents, godparents, friends and relatives can all contribute to your little one's savings pot. Great for birthday or Christmas gifts.
    • Long-term potential of stock market investing - take advantage of the benefits that investing in the stock market can offer with the potential for long-term capital growth. Whilst capital isn't guaranteed as it is in a cash account, historically equities have significantly outperformed cash over the long term.

    What will this cost me?

    • Annual charge - £25 + VAT
    • Dealing charges per holding for postal instructions - £12 and £8 for online instructions. These charges do not apply to the reinvestment of dividends and/or monthly installments.
    • Government stamp duty of 0.5% also applies on purchases of UK shares only.

    Find out more about our Children's Investment Plan here.

    Start Investing today by Applying Online here.

    Child Trust Fund

    Through an F&C Child Trust Fund, you can save for your child tax-efficiently over the long-term. Our Child Trust Fund (CTF) gives you access to the long-term potential of the stock market through our investment trust range via a Shares CTF or in a tracker fund via a Stakeholder CTF. A new CTF cannot be opened but you can transfer an existing Child Trust Fund to an F&C Child Trust Fund or an F&C Junior ISA.

    • Invest from as little as £1 per day - you can build a nest egg for your child by saving from as little as £10 per month (£25 for shares account), that's less than £1 a day. Alternatively invest a lump sum of £10 for stakeholder account or £100 for a shares account. So you can top up your child's account in the way that best suits you.
    • Access to our select range of 10 investment trusts - our investment trusts invest in a range of asset types including; equities, bonds, property and private equity, both in the UK and globally. These investment trusts all benefit from the skills and expertise of our team of fund managers. Click here to find out which trusts could be right for you.
    • All the family can participate - Grandparents, godparents, friends and relatives can all contribute to your little one's savings pot. Great for birthday or Christmas gifts.
    • Tax-efficient savings - neither you nor your child will pay tax on income or capital gains in the F&C Child Trust Fund, so your child can make more of the money you've saved. The annual subscription limit is £4,128 for 2017/18.
    • Transferring is easy - your child's Child Trust Fund may be in a cash account earning little interest. Transferring to the F&C Child Trust Fund is simple all you need to do is complete the Child Trust Fund transfer application form. You can also now transfer your Child Trust Fund to an F&C JISA. Complete the Child Trust Fund or Junior ISA transfer to the F&C Junior ISA form. For more information please see the Questions and Answers document we've pulled together to help you understand the changes.
    • Long-term potential of stock market investing - take advantage of the benefits that investing in the stock market can offer. Whilst capital isn't guaranteed as it is in a cash account, historically equities have significantly outperformed cash over the long term.

    What will this cost me?

    • Annual charge - £25 + VAT (Shares) or 0.7% (Stakeholder)
    • Government stamp duty of 0.5% also applies on purchases of UK shares only.

    Find out more about our  Child Trust Fund here.

    Start Investing today by Applying Online here.

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

  • Watch our Children's Savings Plans playlist

    We have created a video for each of our Children's Savings Plans, helping you to get a better understanding of the benefits and differences of investing in each plan.


  • Click below for more information about our savings plans

     F&C Junior ISA  F&C Children's Investment Plan 

     F&C Child Trust Fund

Past performance is not a guide to future results. The value of investments can go down as well as up.

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 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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