Compare Child Trust Funds

Stakeholder Child Trust Funds Comparison


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Stakeholder
Fund Choice
Plan Name
Gift
% Return
Reviewed
More Details & Apply
Family Investments
Family Charities Ethical Trust
Family Investments Ethical Child Trust Fund
£25 voucher and a tree planted if you set up a regular Direct Debit of £20 or more
2.57%
Yes
Family Investments
Family Investments
Family Investments Child Trust Fund
£25 voucher if you set up a regular Direct Debit of £20 or more
4.28%
Yes
Family Investments
Engage Mutual CTF
Asda/ Engage Child Trust Fund
NA
1.5%
Yes
Engage CTF
Childrens Mutual
The Children's Mutual Baby Bond
NA
1.1%
Yes
Childrens Mutual
Nationwide Child Trust Fund
NA
0.63%
No
Nationwise Child Trust Fund Application
HSBC Child Trust Fund
NA
0.62%
No
NatWest Child Trust Fund
NA
NA
No

Stakeholder Child Trust Funds accounts are where the money is invested in the form of shares in companies. To reduce the risk of this type of investment the British Government has introduced certain rules that govern this type of account.

In order to spread the risk for this type of investment the shares are spread over many companies thus enableing the risk to be reduced.

When your child turns 13 the shares held by the Stakeholder Child Trust Fund provider are invested into lower risk investments and assets such as cash. The providers of the child trust fund will determine when and where the investments will be moved into lower risk investments. The idea is that although your child's CTF is not necessarily benefiting from a rise in the stock market they will benefit from reducing any potential losses towards the end of their Child Trust Fund thereby minismising the risk that themoney could be lost due to bad investments.

Once you have opened your Stakeholder Child Trust Funds each and every fund provider must accept the minimum £10 investment to start the fund though the provider can accept less than £10 if they so wish.

Yearly charges for a Stakeholder Child Trust Fund are capped at 1.5% per annum ie for every £100 invested the maximum that can be charged for administering the account is £1.50 - other types of child trust funds are not limited in this way.

The Stakeholder Child Trust Fund account is the default account that the government will use if the money is not invested before the expiry date of the CTF voucher.

See the comparison table above to Compare Stakeholder Child Trust Funds and get the most up to date information of the funds values and yeild returns.


RISK WARNINGS
  1. The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested.
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