Stakeholder Child Trust Fund
The Stakeholder Child Trust Fund meets the Government’s Stakeholder requirements and aims to achieve long-term capital growth.
All money paid into the Child Trust Fund will be locked in. This means your child will not be able to access their fund until they are age 18. When they are 18, no one other than the child will have access.
If you are not comfortable with the level of risk associated with investing in an account that invests primarily in shares you may wish to consider our Bonus Builder Child Trust Fund as it includes a safety net at age 18. However the Bonus Builder Child Trust Fund is not a Stakeholder Child Trust Fund.
Meeting the Government minimum standards for Stakeholder Child Trust Funds does not mean that the investment is suitable for you or your child or that there is any guarantee of performance.
Stakeholder Child Trust Fund at a glance
- Aims to achieve long term capital growth
- Invests mainly in UK stocks and shares in a range of companies and later in investments such as gilts and cash
- Is a stockmarket related investment so you are not certain to make a profit and your child may get back less than was invested
- Unlike our Bonus Builder Child Trust Fund there is no guaranteed minimum return at age 18
- Grows free of income and capital gains tax but no reclaim can be made on dividend repayments received from the fund
If the Government changes the tax treatment of Child Trust Funds this may reduce the potential growth from the investment.
Tax treatment depends on your child's personal circumstances. Please refer to the Key Features for details of how contributions and benefits from your child's policy will be taxed. Any references to taxation are based on our understanding of current legislation and HM Revenue & Customs practice, which is subject to change.
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