When you finally get access to your Child Trust Fund at 18 you might be wondering whether to spend it now or invest it towards your future goals.
When we talk about “reinvesting” your money, we mean moving the money out of your Child Trust Fund (CTF) and into an adult account that invests it in stocks and shares.
With investing there's a risk that your money could go down, meaning you may get back less than you put in. 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.*
*Source: Barclays GILT study 2025.
Investing for your future
We make it easy to move money from your Child Trust Fund into our adult ISAs - our Lifetime ISA and Stocks and Shares ISA - once you reach 18.
Simply log into your online account or register if you haven't done so already. You'll see your options for what to do with your CTF after your 18th birthday.
If one of your big life goals is to buy your own place one day, our Lifetime ISA could help you get the keys in your hand quicker.
For other big life plans, or even if you're not sure what path you'll take right now, our Stocks and Shares ISA could help you on your way.
Undecided about whether to spend or reinvest your CTF? Don't panic - you don’t have to reinvest it all. You can reinvest some of your money, and take the rest out for now. Best of both worlds!
What are my options to reinvest my CTF?
You'll be able to reinvest your CTF after you turn 18.
Register or log into your online account to move money from your Child Trust Fund into one (or both) of our adult investment products - Lifetime ISA and Stocks and Shares ISA.
Lifetime ISA - for buying your first home
This could be a good option if you want to save for your first home or keep your money invested until you turn 60.
The government tops up everything you pay into a lifetime ISA by an extra 25%. You can invest up to £4,000 each tax year so that's up to £1,000 extra available!
But if you take the money out for anything other than buying your first home, HMRC will charge you a withdrawal penalty fee (unless you’ve turned 60, when you can do what you like with the money), so you need to be sure that's what you'll use the money for.
Stocks and Shares ISA - for investing for your future
If you want to put some money aside for university, travelling, or simply for keeping your options open, an ISA might be right for you.
Our Stocks and Shares ISA is a straightforward way to start investing as all you need to do is choose which of our three funds you'd like to invest in.
Unlike a lifetime ISA, the government doesn’t top-up the money you pay into this type of ISA, but you're not limited to using the money for a house deposit. There's no withdrawal fee for taking money out.
Our Lifetime ISA and Stocks and Shares ISA both invest your money. It's worth remembering that the value can therefore fall as well as rise. This is normal for this type of investment, but you could get back less than has been put in if you withdraw at a time when the value is lower.
Why stay with OneFamily?
What you do with your money once you turn 18 is, of course, up to you. But here are a few reasons why people choose to reinvest their Junior ISA money with us:
Ready to make your choice?
Register or log into your online account to let us know what you’d like to do.
If you want to withdraw some, or all, of the money in your Junior ISA you can choose to do this by bank transfer or by asking us to post you a cheque.
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’re not decided, don’t worry – you can leave your money where it is while you give it some thought.
