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Child Trust Fund (CTF)

Do you have a Child Trust Fund from the Government? Prepare for a brighter financial future.

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Where do you want to go?

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. 

My CTF at age 18    My child's CTF at 18

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. 

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.

Where is my CTF?

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.

CTF calculator

A CTF with Foresters

Are you an existing Child Trust Fund customer? Find all the important documents you need for the CTF below.

Foresters Child Trust Funds

View the fund performance

Want to see how your Child Trust Fund with Foresters is performing or more information about the fund(s)?

Login to MyPlans   Where is the CTF invested?

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.

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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.

Learn more about this fund


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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.

Learn more about this fund


CTF Important information

Transfer to our CTF

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.


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Manage your savings with MyPlans

View the CTF value, make contributions, view fund performance, documents, and so much more. 

Existing customer? Login to MyPlans >

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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.

Find out more about the transfer from The Children's Mutual

Find out more about the transfer from Halifax 

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.

Find out what happens to a CTF at age 18

CTF Calculator

See how much money you could save for your child, give them a lump sum at 18 to start adulthood. 

£10 £750

Please enter a regular monthly amount you wish to pay between £10 and £750, assuming that the maximum allowed monthly contribution is £750.

£10 £9000

Please enter an amount between £10 and £9,000, assuming that the maximum allowed annual contribution is £9,000.

Please enter the current value of the CTF.

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Calculator important information

The calculation is based on:

Foresters Child Trust Fund important docs


Child Trust Fund - Options

CTF - Options Brochure

Child Trust Fund - Shariah

 CTF - Shariah Brochure

Child Trust Fund Extra (from Halifax)

CTF Extra Brochure

Lifestyling Rules and Halifax fund update

Child Trust Fund - Stakeholder Options

CTF - Stakeholder Options Brochure

Lifestyling Rules

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.