Child Trust Fund (CTF)
Do you have a Child Trust Fund from the Government? Prepare for a brighter financial future.
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The CTF at age 18
To find out about your options at 18, or you're a parent wanting to understand your child's options, we have a dedicated page to help you.
Transfer a CTF to Foresters
Do you have a CTF with another provider and want to transfer to us? Find out how you can transfer to Foresters.
Find your CTF
Not sure where your Child Trust Fund is? Find out if your CTF is saved with Foresters or another provider using the CTF register.
CTF Calculator
See how much the money could be worth that you save in your child's Child Trust Fund by age 18 with our simple calculator.
A CTF with Foresters
Are you an existing Child Trust Fund customer? Find all the important documents you need for the CTF below.
View the fund performance
Want to see how your Child Trust Fund with Foresters is performing or more information about the fund(s)?
What is a Foresters Child Trust Fund?
Save for their future
A Child Trust Fund is a long-term children’s savings account introduced by the Government, for children born between 1st September 2002 and 2nd January 2011.
New Child Trust Funds cannot be opened, however you can transfer a Child Trust Fund to us. Contributing to the Child Trust Fund until age 18. Where the child will have the option to continue investing and/or access the money. Transfer a CTF to Foresters >
Save up to £9,000 each tax year
Set up contributions from as little as £10 up to £9,000 each year (running from birthday to birthday). Friends and family can contribute too – helping to build up your child's savings pot. Ways to contribute to a CTF with Foresters >
Become a Foresters member
By saving with us, at 18 your child will become a member, and will have access to a range of exclusive benefits, such as volunteer grants, member discounts and Scholarships – just to name a few! Take a look at the member benefits >
Member benefits are not regulated by the Prudential Regulation Authority or the Financial Conduct Authority and may change in the future.
Tax treatment depends on individual circumstances and may be subject to change in the future. As with all stock market investments the value of your child’s Child Trust Fund can fall as well as rise and you may get back less than has been paid in.
Whatever they want to be in the future, invest easily in a choice of funds
If you would like to transfer to our Forester Life Child Trust Fund you can invest in one fund, or a combination of the two, it's up to you.
Foresters Stakeholder (Schroders) Managed Fund
A global, straightforward fund designed for Foresters customers
- Choose to invest your savings fully or partially in this fund
- Invest over the medium to long-term in a professionally managed fund by Schroders
- Considers ESG factors with 45-50% invested in shares.
Foresters Stakeholder (Schroders) Sustainable Future Managed Fund
Invest in your future in a fund that has a focus on sustainability
- Choose to invest your savings fully or partially in this fund
- Invest over the medium to long-term in a professionally managed fund by Schroders
- Considers factors ESG with 0-60% invested in shares.
If you already have a Child Trust Fund with us, you have the option to invest in the funds above, you can make a fund switch by logging into your MyPlans account, or by downloading the fund switch form.
Manage your savings with MyPlans
View the CTF value, make contributions, view fund performance, documents, and so much more.
Existing customer? Login to MyPlans >
Financial guidance - at no cost to you
Meet with a Financial Adviser to discuss your options at your convenience.
Our Child Trust Fund FAQs
Children born between 1st September 2002 and 2nd January 2011 and a parent was claiming child benefit will have a CTF.
A Child Trust Fund transfer can take 30 days.
If your child is unable to manager their own money, please contact our Customer Services Maturity team who will be able to advise you on the process and next steps, 0333 600 0333.
If the Child Trust Fund was originally held with Halifax or The Children's Mutual we are now looking after the CTFs.
If you have parental responsibility, or are aged 16 or over, you can apply to become the official Registered Contact for the CTF by completing the form.
If there is already a Registered Contact for the CTF, please contact our Customer Services Team.
Use our find my CTF page to see if we look after your CTF.
You can transfer for the Child Trust Fund to another CTF provider or to a Junior ISA provider. To make a transfer to another provider, you will need to contact your new provider first so they can start the transfer process. Before submitting the transfer request to your new provider, please ensure your personal details with us are up to date, as the information you provide will need to match with your new provider. You can check the account details and update if necessary, online with MyPlans or by contacting Customer Services.
We do not charge for any transfers.
CTFs at age 18
As your child reaches age 18 it's good for them to learn the basics on finance and investing, as soon they will have the choice to continue saving their money, and/or access the money.
CTF Calculator
See how much money you could save for your child, give them a lump sum at 18 to start adulthood.
Calculator important information
- The amount shown by the calculator is only an estimate of what the savings could be worth on your child’s 18th birthday and assume an annual growth rate of 2%, 5% and 8% and an annual charge of 1.5%. It is also assumed an annual increase in monthly payments of 2.5% per annum compound to keep pace with inflation, subject to allowable limits.
- These figures are only examples and are not guaranteed. The actual value could be more or less than shown, and could be less than has been paid in. What you will get back depends on how much your investment grows and on the tax treatment of the investment. Investments can go down as well as up.
- Inflation would reduce what you could buy in the future.
- There is an annual charge of 1.5% of the value of the funds you accumulate. If your fund is valued at £250 throughout the year, this means that we charge £3.75 that year. If your fund is valued at £500 throughout the year, this means that we charge £7.50 that year.
- These figures assume contributions and investment over 10 years. Top-ups to existing Plans may be invested for a shorter period depending on the age of the child at the time.
- These figures do not take into account any Government payments made into the Child Trust Fund.
- If the Plan has received any contribution in the birthday year, and the Plan value exceeds £300, we will send you a statement showing the payments received, the number of units held and the value of your child’s Plan. We will also issue statements on your child’s 11th and 16th birthdays.
- All payments are locked into the Plan until the child’s 18th birthday and cannot be reclaimed by the donor(s).
- For more information please read the Child Trust Fund Key Information Document(s) and Important information.
The calculation is based on:
- Potential investment annual growth rate of 5%.
- Potential annual increase in monthly payments of 2.5% per annum compound to keep pace with inflation, subject to allowable limits.
- Annual charge of 1.5%
Foresters Child Trust Fund important docs
Child Trust Fund - Options
CTF - Options Brochure
Child Trust Fund - Shariah
CTF - Shariah Brochure
Description of member benefits that you may receive assumes you are a Foresters member. Members must be 18 years of age or older and must have an active Foresters Plan and maintain it in good standing. Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice. Member benefits are not regulated by the Prudential Regulation Authority or the Financial Conduct Authority and may change in the future.
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