Non-Stakeholder Child Trust Fund accounts


If you’d like to decide exactly where your child’s money is invested, you may want to consider a Non-Stakeholder (Shares-based) Child Trust Fund account.

Non-Stakeholder (Shares-based) Child Trust Fund accounts:

  • usually invest in shares (other types of investment are also allowed)
  • can allow you to choose the shares that you want to invest in. For example, you may want to invest your child’s money in the shares of a certain company, or in a fund that invests in a particular market or industry
  • allow you to select an investment strategy to meet your own preferences and attitude to risk
  • don’t have to meet the government’s criteria (as offered by stakeholder Child Trust Fund accounts). This means there’s less restriction on the type of investments that Non-Stakeholder Child Trust Fund accounts can invest in
  • charges and minimum contributions into the account may be higher than for stakeholder Child Trust Fund accounts
  • may offer greater potential rewards, but probably also a greater risk that your child could get back less than you’ve paid in.