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Stox etc- you want to gamble with your kids money ? Its up to you, but remember you cant bleat if it gets messy


Hi Interest kids cash account at a legalised Mutual like the Brittiannia - you still get Dividends yearly because of its mutual status as well as competitive interest rates ion the deposit itself

CTF is invested in stocks etc anyway, you get no choice, other than as to the level of risk (1, 2 or 3 - I think they recommend 2).


Mine is in Children's Mututal, but to be honest I think they are all about the same. They seemed to have the lowest admin charge at the time (about a year ago).


moneysupermarket is a good place to look.


One thing to bear in mind if you are putting extra cash in is that with a CTF the money goes straight to the sprog when they are 18. To blow on whatever they like.


I stuck my CTF voucher in mine, and a bit extra into a high interest account (Halifax pays 10% on the kiddies account). With that you are trustee for them, so you get the cash and decide if they are sensible enough to have it!

Mellors you do get a choice whether to go for stocks or not. CamberwellOZ, you should have received a pack with details from the FSA (Financial Services Authority) with details of the options for the ?250. There should also be some recommended funds. I agree with buggie, Martin Lewis provides great advice. The Guardian on a Saturday in the Money section also has lists of the best performing accounts etc. This should also be available on the Guardian's website. We personally went for a safe option and top it up to the level you are allowed to do each year. Goodluck.
I'm a big fan of premium bonds http://www.nsandi.com/ but I've heard kiddy trust funds are a sound idea - no kids myself so haven't really researched it. One fairly user friendly guide http://www.natwest.com/personal02.asp?id=PERSONAL/SAVE_AND_INVEST/SAVINGS_ACCOUNTS/UNDER_16
  • 2 months later...
I don't think Premium bonds are good for long term investment as the value of your money in say, 15 years is a lot less than the value of your money today. Unless you have a substantial amount of cash in them the winnings are not likely to be as much as interest in a high interest account and even then not guaranteed.

david_carnell Wrote:

-------------------------------------------------------

> Couple of bottles of Chateau Margaux. Good

> investment.



That's the way to go - I was fortunate enough to be able to buy a case of 1966 Margaux in 1976 from a naval wardroom that was disposing of its cellar. The wardroom wine caterer didn't understand accounting or fine wines(nor did I in those days) so sold off his stock at the prices that had been paid. So 12x 10/6 a bottle = ?6.60 for the case - which with a friend I drank over te next four weeks. I also bought a vey fine vintage port for ?1.05 (a guinea). Excellent stuff.

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