How can I re-invest my Child Trust Fund money?

It’s time for you to think about what to do with your Child Trust Fund money.

We have two investment options that you can invest all or part of your money in.

Introducing our Lifetime ISA and Stocks & Shares ISA

When you turn 18 you access your Child Trust Fund and you’ll need to choose what you’d like to do with it.

If you’d like to keep saving with us, you can choose from our Lifetime ISA and Stocks & Shares ISA, both of which invest in stocks and shares as we believe this provides the best opportunity for long term growth.


Save for the big things with our Lifetime ISA

The Lifetime ISA is a savings account that could be ideal to help you buy your first home or to pay for your retirement, thanks to a 25% government bonus on your savings.

You can save up to £4,000 into your Lifetime ISA each year, and if you do this you will receive a £1,000 government bonus. So your £4,000 contribution becomes £5,000.

Important information about our Lifetime ISA:

You must save into your Lifetime ISA for at least 12 months before you can benefit from the 25% government bonus to buy your first home up to £450,000

You can keep paying into your Lifetime ISA until you’re 50 years old. A 25% penalty will apply for any withdrawals you make before you are 60 years of age that aren’t to buy your first home, which could leave you with less than you started with

Remember that the value of stocks and shares can fall as well as rise. That’s normal for this type of investment, but it does mean you could get back less than you put in

Got a question about our Lifetime ISA? View our FAQs

Say hello to our Stocks & Shares ISA

Want to continue saving but need the flexibility of having access to your money should you need it? Our Stocks and Shares ISA could be for you.

You can use the money in your Stocks & Shares ISA however you like, whenever you need it, with no penalties for taking it out.

Important information about our Stocks & Shares ISA:

You can transfer as much of your Child Trust Fund into our Stocks & Shares ISA as you’d like to, or split it by investing up to £4,000 into our Lifetime ISA and the rest into our Stocks & Shares ISA

Once you’ve opened your Stocks & Shares ISA you can pay in up to £20,000 every year

We invest in stocks and shares as we believe this provides the best opportunity for long term growth, but you should remember that the value of stocks and shares can go down as well as up, which could mean you get back less than you put in

Learn more with our Stocks & Shares ISA FAQs

Climate-friendly investments you can feel good about

Climate change matters to us, which is why both products invest in companies that are aiming to make a positive change to the environment by adapting their business models to be more climate-friendly.

With both our Lifetime ISA and Stocks & Shares ISA you have a choice of two climate-friendly investment funds.

There are two simple investment options for you to choose from. Our Global Equity Fund invests 100% in climate-friendly company shares, while our Global Mixed Fund invests 35% in climate-friendly company shares and 65% in fixed interest investments to provide a lower risk option for the more cautious investor.


You’re in control

Online account management

You’re always in charge of your savings, thanks to online account management that is available 24/7.

Switch funds

If you decide that you’d like to switch funds you can do so at any time.

Why invest with OneFamily?

We don’t have owners or shareholders, we are owned by our 2 million customers, so our profits go back into our business and the products and services we offer. Listening to you helps us to shape how we work and how we invest your money through our accessible financial products.

We’re committed to serving our members, communities, and the wider world. We’ve awarded over £4 million to our customers and communities since 2015, supporting over 3,000 members and more than 350 charities and community groups.

What’s next?

You can choose what you want to do with your money when you turn 18 – and we’ll send you information on how to do this nearer the time.


I’m already registered but I’m not 18

From your 18th birthday you can choose what you want to do with your money.


I’m registered and I am 18 or older

When you’re ready you can login and tell us what you want to do with your money.


I haven’t registered to take over my Child Trust Fund

You need to register to take control of your Child Trust Fund before you can tell us what you want to do with it.