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Should I reinvest my Child Trust Fund money?

When you turn 18 and finally get access to the money in your Child Trust Fund, do you plan on spending or reinvesting it?

When we talk about “reinvesting” your money, we mean moving the money out of your Child Trust Fund and into an account that invests it in stocks and shares to hopefully grow your money.

This can feel complicated, and there is a risk that your money could go down, but there’s also more potential for it to grow than there would be if you put it into a cash savings account.

In fact, in every 10-year period since 2000, stocks and shares have out-grown interest rates.*

We make it simple to move money from your Child Trust Fund into a Stocks and Shares ISA or Lifetime ISA once you reach 18.

But remember, you don’t have to reinvest all of it. If you want to take some money out when you turn 18 and keep the rest saved for a rainy day, that’s completely fine.

*Source: Barclays GILT study 2023.

What options are there to reinvest my money?

When you turn 18, you'll be able to log into your online account and move money from your Child Trust Fund into one of our adult, investment products. There are two options available, which suit different savings goals.

Why reinvest with OneFamily?

What you do with your money once you turn 18 is, of course, 100% up to you. But here’s a few reasons why people choose to reinvest their Child Trust Fund money with us:

  • We invest in stocks and shares. When you open our Lifetime ISA or Stocks and Shares ISA, you can choose one of two funds.
  • If you choose to put your money in our Global Equity Fund, up to 100% will be invested in a way that encourages companies to work towards becoming more climate-conscious. If you choose Global Mixed, up to 35% of your money will be invested this way, while the rest will be invested in lower-risk, fixed-interest assets.
  • We’re owned by our members for our members. This means we don’t have shareholders to pay, so we can reinvest our profits for good. As a OneFamily member, you're also supporting our charity partners.
  • Transferring is easy. Simply log into your online account and let us know where you’d like us to move your money to. You’ll even be able to log in with the same password after your Child Trust Fund is closed.

Ready to make your choice?

If you want to reinvest some, or all, of the money from your Child Trust Fund, register or log into your account to get started.

I'm not yet 18

Sit tight for now. If you’re 16 or over, you can register for an online account so you’re ready to go as soon as you do turn 18.



I’m 18 but haven’t got an online account

It’s easy to register, you just need your name, date of birth and National Insurance number.


I’m 18 and have an online account

Log in and let us know what you’d like to do with your money. If you’ve not decided, don’t worry – you can leave your money where it is while you give it some thought.

Log in