CT Child Trust Fund
Transfer in your existing ChIld Trust Fund & benefit from our expertise.
What is the CT Child Trust Fund?
Child Trust Funds (CTF) were a long term savings account launched by the government between 2002 and 2011. CTF’s are no longer open to new customers, but you can however transfer in your CTF to Columbia Threadneedle & continue to invest up to £9,000 each year for your child.
You can access the stock market through our range of investment trusts, and expert fund managers through our CTF.
No dealing charges
Investment expertise
Responsible Investing
Investment Trust options
Let's talk about risk
The value of your investments and any income from them can go down as well as up and you may not get back the original amount invested. Tax allowances and the benefits of tax-efficient accounts are subject to change and tax treatment depends upon your individual circumstances.
A cost-effective way to invest
You can invest from as little as £10 for a CTF Stakeholder and £25 for a CTF Shares account with no dealing charges.
There’s a fixed rate annual charge of £25 + VAT for the CT CTF Shares account and a 0.7% charge on the value of your account for the CTF Stakeholder account. Government stamp duty of 0.5% applies on purchases of UK shares.
Make sure you read the pre-sales costs disclosure before you invest.
Your options when you turn 18
You have some decisions to make when your Child Trust Fund matures. We have all the information you need to help you.
What you need to know about your maturing Child Trust Fund
There is a lot to think about when it comes to Child Trust Funds, we’ve created a CTF Hub so you can find all the information you might need in one place.
A guide for parents when a Child Trust Fund matures
Find out what options are available to your child once they reach the age of 18.
Invest in our Investment Trusts through our CTF
With a CT Child Trust Fund, you invest through our diverse range of Investment Trusts.
Our Investment Trusts provide a range of investment opportunities, including access to equities, bonds, property and private equity.
Each Trust has different goals and strategies.
You can select a Trust that aims for capital growth, income, or both. Some have a specific regional focus, while others take a global approach.
Please see the Key Information Documents (KIDs) for further details on the risks for each trust. View the latest performance of our Investment Trusts.
Transfer your CTF
If you have an existing CTF you can switch over to us. We have a range of funds for you to invest in. Join Columbia Threadneedle Investments today to invest smart for your future.
Frequently asked questions
Shares account – our investment trusts invest in a range of asset types in the UK and globally. These include equities, bonds, property and private equity. These investment trusts all benefit from the skills and expertise of our team of fund managers.
Stakeholder account – this only gives you access to the CT FTSE All-Share Tracker Fund. There are also some other differences between the two accounts.
Grandparents, godparents, friends and relatives can all contribute to your child’s Child Trust Fund by using our Child Trust Fund top-up form. Only the Registered Contact is allowed to make investment decisions.
Life styling was a feature of the Stakeholder CTF. It means the shares held in the account were sold gradually so that, by the time the child reaches 18, all the funds were held in cash.
It was originally mandatory for all Stakeholder providers to offer the feature but in 2017, the regulations were changed and it became optional. Columbia Threadneedle opted not to implement the feature, for new or existing customer.
No, any money in your child’s Child Trust Fund (whether a Government contribution or a contribution from you, family members or friends) belongs to your child and will be locked in until they turn 18. At this point your child can choose what to do with the Child Trust Fund.
Until the child reaches 16 the parent who opens the account (Registered Contact) can choose the type of investments held. From 16, to help the child develop a more thorough understanding of how savings work, they can control the investment decisions should they wish – though they cannot make any withdrawals until they reach 18.
*CTF Share account only.
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.