• How to Invest

    Open an F&C Savings Plan

    Call: 0800 136 420

    Invest in a CIP here

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

  • As children grow so can their savings

    The F&C Children's Investment Plan is a straightforward way to invest in the global stock market through our range of award-winning investment trusts. It provides an affordable, tax-efficient way for parents and grandparents to build a savings pot for their little ones.


  • Potential Benefits

    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 leadings 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.


    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

    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.

    Retaining or gifting ownership

    Children’s Investment Plan – Retaining ownership

    Retaining ownership allows you to keep control of your investments and gives you access to the money before your child reaches 18. This flexibility means you can use it for day-to-day expenses, such as school fees, sports equipment or other necessities. The plan is held in your name with the child's name as a designation. This will usually be done by putting their initial on the account name. You're then able to transfer the account into your child's name when they are 18, or you can decide to keep it in your name if you wish.

    Children’s Investment Plan – Gifting ownership

    By opting to gift beneficial ownership to the child, the funds are given to the child now. However as children under 18 cannot be the legal owner of an account, you can appoint up to four adults to look after the investment on behalf of the child. This has the benefit that it would not form part of your estate for inheritance tax purposes. You will not be able to access the money as the assets belong to the child.

    However, withdrawals can be made for the child's expenses. If you're a trustee you'll have legal control over the plan until the child reaches legal capacity (18 years in England, 16 in Scotland).



    Getting Started

    Investing in the F&C Children’s Investment Plan is quick and straightforward. You can apply online if in sole name (no joint holders) in minutes or simply complete an application form.

    • Choose your investment trusts - Decide which of our investment trusts you’d like to invest into.
    • Decide on how much you want to invest - You can invest monthly, in lump sums or a combination of both.
    • Choose whether you want to retain or gift ownership.
    • Make sure you’re happy to go ahead - Read the Key Features and Terms & Conditions for our products – make sure that you understand them including any charges that apply to the products and are happy to go ahead.

    The value of shares and the income from them is not guaranteed and can fall as well as rise due to stock market and currency movements. When you sell your shares, you might get back less than you originally invested. Tax can be a complicated area and much will depend on your individual circumstances, meaning it often makes sense to employ the services of a professional financial adviser.



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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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