Parents 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 that can be 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.

The Healthy Investment Stakeholder Child Trust Fund invests in a wide range of stocks and shares in order to spread the risk of a single share or sector underperforming. The fund is currently 100% invested in the Legal & General UK All Share Tracker Fund.

It meets all of the government’s requirements to be a stakeholder product, which includes a charges cap, investments in a wide range of stocks and shares and minimum payment rules.

Whilst our Child Trust Fund meets the stakeholder minimum standards, it does not automatically mean that it is right for the child or that there is any guarantee of its value.

The Healthy Investment Stakeholder 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. The 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 client might receive back based on different investment scenarios. It also helps you and them understand the nature, risks, costs, potential gains and losses of this product and to help you compare it with other products.

Download the latest Key Information Document for our Stakeholder CTF here.

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

If the 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 they transfer the 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.

HM Revenue & Customs automatically allocated the Child Trust Fund vouchers for those that were not invested within the first year.

If a child’s Child Trust Fund voucher was automatically allocated and you do not know which provider currently holds the child’s Child Trust Fund simply complete HMRC’s online form here.

It generally takes HMRC around 3 to 4 weeks to respond.