Ethical Child Trust Fund

If you want to be sure that the money you’re putting aside for the children who are important to you is being invested ethically, then this could be the Child Trust Fund for you. Stocks and shares can rise and fall and the child may not receive back as much as what has been invested for them.

Doing the right thing

None of your child’s money will be invested in alcohol, arms or tobacco industries, or with gambling and pornography providers.

In safe hands

We’ve looked after over 80,000 Child Trust Funds over the years, so you can rest assured that we’ll invest your money wisely.

Managed fund

The money you invest is invested in Healthy Investment’s Unit-linked Ethical Child Trust Fund. This is a cautiously managed fund including a mix of equities, fixed interest bonds and cash deposits. You can find out more here

Ask us for a statement of the current value of the fund at any time.

Invest to provide a lump sum for a child when they turn 18.

An investment account for children born between 1st September 2002 and 3rd January 2011.

Invest in the fund today, with as little as £10.

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Important Points

Is it right for my child?

If your child already has a Child Trust Fund with another provider you can transfer it to a Healthy Investment Child Trust Fund.

You might decide to make additional contributions to the Child Trust Fund if you have savings in a bank or building society and you are now looking to put some money into a tax free investment for the child which has some risk that the child might get back less than has been paid in, in return for the possibility of a higher return.

Things to think about

You can make one off or regular additional investments, online, by cheque or by direct debit.

Because of the tax advantages of Child Trust Funds the government limits the amount you can invest from one birthday to the next. The current limit is £9,000.

You should see this as a long term investment as generally no money can be taken out until the child is 18.

Tax and rules for Child Trust Funds could change.

As a stock market based investment the value of the fund can go up and down.

What the child gets back will depend on how well our investments do.

If you have any doubt whether this Child Trust Fund is right for your child, you might want to consider talking to a financial adviser.

Our Ethical Child Trust Fund

The Healthy Investment Ethical Child Trust Fund invests in a range of stocks and shares, government and corporate bonds, commercial property and cash deposits.

We avoid investing in companies in certain industries and those whose activities are not in accord with our members’ personal values. Examples are the tobacco, armaments, alcohol and fur manufacturing industries, gambling and pornography providers and companies that manufacture products or ingredients that have been tested on animals.

We seek to invest in companies that are explicitly involved in activities that benefit society and the environment. Examples are companies that are tackling climate change, promoting a low carbon economy, promoting diversity and equal opportunities, and improving energy efficiency.

Our vision is to invest for a better future, deliver good financial returns and make a difference to society and the environment.

The Healthy Investment Ethical Child Trust Fund is not a Stakeholder Child Trust Fund. It invests in slightly less risky assets which may be less volatile but over the course of the investment may not generate as big a return.

The Ethical Child Trust Fund includes stock market based investments which means that the value of the fund may fall as well as rise and your child may get back less than is invested for them.

What could they get back?

The Healthy Investment Ethical Child Trust Fund has the growth potential of a stock market based product, which means that the value of the fund may fall as well as rise. Your child may get back less than has been invested for them.

We publish every week the price of each unit held in your child’s Child Trust Fund here.

The Key Information Document includes examples of what your child might receive back based on different investment scenarios. It also helps you to understand the nature, risks, costs and potential gains and losses of this product and to help compare it with other products.

You can download the latest Key Information Document here.

Download

Junior ISAs

Junior ISAs have been available since the government stopped the Child Trust Fund scheme.

If your child does not have a Child Trust Fund they can open a Junior ISA.

Child Trust Funds can be transferred to Junior ISAs, however if you transfer your child’s CTF to a cash Junior ISA their capital will be guaranteed but they will miss out on the potential of a stock market investment.

You can find out about Healthy Investment’s stocks and shares Junior ISA, which includes some capital and bonus guarantees here.

Trace my lost Child Trust Fund?