• Government changes allow Child Trust Funds to move to a Junior ISA

    New Government legislation will now enable greater choice of how you can invest for your children if they qualified for a Child Trust Fund (CTF). Savers that have a CTF will be able to benefit from the new flexibility and transfer their savings from a CTF into a Junior ISA.

    What's the difference between a CTF and a Junior ISA?

    They were both designed to be tax-efficient saving vehicles. The total amount that can be saved into them is the same and the tax benefits are the same.

    Those saving into a cash CTF have, in recent times, tended to receive lower interest rates than those saving into cash Junior ISAs. This is why the ability to transfer from a CTF to a Junior ISA is viewed so positively.

    The same, however, isn’t necessarily true for customers saving into an investment CTF where growth is determined by the performance of the underlying investments. Although  investment CTFs from some providers may have become less competitive in terms of charges, fees, and types of investments available this is not the case for all investment CTFs. In the case of F&C, the annual account charge and investment options are the same for both the F&C CTF Shares Account and the F&C Junior ISA.

     Here are the answers to questions you may have.  

  • Introducing the F&C savings plans for children

    We offer a comprehensive suite of savings products for children, ideal for parents, grandparents and relatives wanting to save a nest egg for their little ones.

    Junior ISAyou can invest up to £4,260 each year, with all the tax benefits

    Children’s Investment Plan
    flexible saving plan with no investment limit

    Child Trust Fund - a new CTF cannot be opened but you can transfer your existing CTF to F&C

    Why choose F&C for your children's savings?

    • Tailored to your needs – so you can create a savings plan that suits you
    • Straightforward choice – pick from our range of 10 investment trusts
    • Flexibility – start saving from the equivalent of just £1 per day, or with a £250 lump sum
    • Expertise – we’ve been managing investments for over 147 years
    • Award winning – a recognised leading provider

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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