• Helping you to create a nest egg for your child

    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.


  • Potential Benefits

    • 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 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.

    A Share or Stakeholder account?


     F&C offers two different accounts for you to choose from.

    • Share account - 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 also benefit from the skills and expertise of our team of fund managers.
    • Stakeholder account - this gives you access to the F&C FTSE All-Shares Tracker Fund only. There are also some other differences between the two accounts, as highlighted in the table below.



    Risks to take into consideration


    • Price volatility - the value of shares and the income from them is not guaranteed and can fall as well as rise due to stock market movements. When you sell your shares, you might get back less than you originally invested.
    • Exchange rate risk - changes in the rates of exchange between currencies may have an adverse effect on the value, price or income of investments.
    • Gearing - investment trusts can borrow money (gearing), which can then be used to make further investments. They can also invest in instruments such as warrants or derivatives, where a small movement in the value or price of the underlying right or asset results in a larger movement in the value or price of the instrument. In a rising market, this ‘gearing’ can enhance returns to shareholders. Correspondingly, if the market falls, losses may be greater. 
    • Insufficient income - where the income earned by an investment trust is insufficient to cover its charges and expenses, the balance may be charged to capital, which will to that extent, constrain capital growth.
    • Investment needs - if you start an investment in order to fund a specific need, for example to pay school fees, if you then do not maintain your contributions or your investment does not grow sufficiently, you may not achieve your target. If you have any doubts about the suitability of this investment, please consult your financial adviser.


    Getting Started


    Transferring the Child Trust Fund is quick and straightforward. Simply complete the CTF Transfer application form.

    The government has updated the rules and since April 2015 it has been possible to transfer your Child Trust Fund (CTF) to a Junior ISA. For further information please refer to the Q&As 


    What is the difference between a Child Trust Fund and a Junior ISA?


    Product Information

    Child Trust Fund - Shares account

    Child Trust Fund - Stakeholder account

    Junior ISA
    Minimum investment

    £25 per trust per month

    £100 lump sum

    £10 per month

    £10 lump sum


    £30 per trust per month

    £250 lump sum

    Annual account charge

    £25 + VAT

    0.7%. Regulations cap annual charges at 1.5% (including on-going expenses charged in the fund, which are currently 0.36%)

    £25 + VAT
    Dealingcharge*NilNil£12 postal £8 online per holding on sale & purchase
    Option to hold cashOption to hold cashOnly as part of the lifestyling feature once child turns 15No
    Investment options10 investment trustsF&C FTSE All-Share Tracker Fund10 investment trusts
    Invest £4,128 each yearBirthday yearBirthday yearTax year
    Friends and family can invest
    Locked away until child's 18th birthday


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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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