• Please note 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.

    Click here for further information.

  • 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.

    Tax Year 2018/19


  • 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 £4,260 for 2018/19.
    • 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. 

    Please ensure that you also read the pre-sales costs disclosure prior to investing as you will need to sign a declaration on our forms that confirms you have read this. These can be found on our website at fandc.com/literature

    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.



    What is Lifestyling?

    Lifestyling was a feature on Stakeholder CTF's which gradually sold the shares held in the account so that, by the time the child reaches 18, all the funds were held in cash. It was originally mandatory for all Stakeholder providers to offer the feature but in 2017, the regulations were changed and it became optional. F&C opted not to implement the feature, for new or existing customers.

    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?

    1. What is a Junior ISA?
      Junior ISAs were introduced in 2011, following the closure of the Child Trust Fund (CTF) Scheme. Up to £4,260 per year can be invested into a Junior ISA without tax being paid on any interest or gains.
    2. Who is eligible for a Junior ISA?
      All children under the age of 18 that did not qualify for a CTF can open a new Junior ISA and savers with an existing CTF can now transfer this to a Junior ISA.
    3. Do I need to transfer my CTF to a Junior ISA?
      No, you do not have to, but you are free to transfer your CTF savings to a Junior ISA.
    4. How will this change impact my existing CTF?
      Existing CTFs remain unaffected and you can continue to save as usual if you choose not to transfer to a Junior ISA. If you do decide to transfer, please be aware that the F&C FTSE All-Share Tracker Fund will no longer be available to our stakeholder customers as this fund is not available within the F&C Junior ISA.
    5. What's the difference between the F&C CTF and a F&C Junior ISA? 
    6. 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
      Dealing charge*



      £12 postal £8 online per holding on sale & purchase

      Deposit account available**




      Investment options

      10 investment trusts

      F&C FTSE All-Share Tracker Fund

      10 investment trusts

      Invest £4,260 each year

      Birthday year

      Birthday year

      Tax year

      Friends and family can invest

      Locked away until child's 18th birthday

    7. Can I invest in both?
      No, you are unable to hold both accounts for the same child?
    8. Can i access the money paid into a Junior ISA?
      No, the account is set up for the child. As with the CTF, only they can access the money and only after they turn 18.
    9. What happens when my child reaches age 18?
      The Junior ISA and CTF both transfer into an adult ISA in the child's name, so they can keep saving if they wish.
    10. If I transfer, will I lose my initial government CTF voucher?
      No you will be able to transfer the total amount in your CTF account to a Junior ISA.

    *Charges do not apply to the reinvestment of dividends and/or monthly instalments
     **Whilst it's possible to switch existing shares in the cash Deposit account, it's not an investment option for new subscriptions.

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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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