Saving for your child’s future

Our Child Trust Fund (CTF) is an easily managed, tax-efficient way to potentially build up a lump sum that could help turn your child's future plans and dreams into reality.

Friends and family can invest a combined total of up to £4,128 into your child’s CTF every year. This can be made up from regular or one-off payments or a mix of both. Because only the child can access the money and only from the age of 18, you can be assured that it’s there for them when they choose to move on to life’s next adventure.

Government rule changes mean that new Child Trust Fund accounts are no longer available. If you wish to invest with us and your child already has a CTF, you have three options:

  • If your child has a CTF with us, we’ll continue to take care of it and you can continue to contribute to it.
  • If your child has a CTF with another provider, you can easily transfer it to us.
  • You can transfer your child’s CTF into a Junior ISA.

This Child Trust Fund is being marketed (sold) on a non-advised basis, and no advice given or sought (self sold). Whilst we can provide you with factual information, we cannot advise you on what to do.

Need help with your account?


Need to change your existing details, make a claim or transfer additional funds to it? Visit our account support pages.

  • AIMS
  • What your child gets back will depend on investment performance, nothing is guaranteed. The value of your investment in the Schoolteachers Friendly Society All-share Tracker Fund will move up and down over time.
  • At 18 your child could get back less than has been paid in.
  • Tax rules for CTFs could change.
  • To provide a method of saving for a child by investing Government contributions and additional amounts.
  • To produce a lump sum for the child at age 18.
  • You do not have to make any further payments above what the Government pays.
  • If you do make any payments yourself, they then belong to the child and you
     cannot get them back.
  • Once money has been paid into the CTF, it is locked in and cannot be taken out by the child until he or she reaches 18 – except in exceptional circumstances, which are explained in the Withdrawals section of the Terms and Conditions.

If you've read through all the above and our Child Trust Fund account sounds exactly what you're looking for, let's get your transfer started.

Essential reads

To make sure our Child Trust Fund account is right for you, please ensure you read through the following information. 

View the Child Trust Fund Key Facts Document.

View the Services & Costs Document.

 View the Child Trust Fund Terms & Conditions.

 Have a question? Take a look at our Frequently Asked Questions page.

 View the latest Unit Prices to see how our Child Trust Fund is performing.


Would you like some help?

Our Customer Centre is your place to go for useful and practical information relating to your account or policy, along with financial reports, details on how we treat customers fairly, and links to some external third parties that you may also find helpful.


Financial advice. Should you be under any doubt as to whether this product is suitable for you we recommend that you seek the advice of an Independent Financial Advisor (IFA). If you do not have a financial advisor you can find details of a local financial advisor by telephoning IFA Promotion on 020 7833 3131 or via Using the services of a financial advisor may incur charges, please confirm this with the individual financial advisor.

The Money Advice Service was set up by the government and is funded by a levy on the financial services industry. The service is free and independent, and is there to help everyone manage their money better by giving clear, unbiased money advice to help people make informed choices.

Terms and conditions apply to our Child Trust Fund account. For more information visit the product's T&Cs page.