Your investment options
When your child trust fund (CTF) or junior ISA (JISA) matures at 18, you have the option to reinvest some – or all – of your money to kickstart your future.
Find out about two types of adult ISA we offer below and how to choose the investment style that's right for you. You can easily move your money into one or both of our ISAs from your online account once you turn 18.
Buy your first home quicker with our Lifetime ISA
Buying your first home might feel way off in the future. But the sooner you start putting money away the sooner you could make it happen!
Our Lifetime ISA could help you get there even faster thanks to the generous bonus of up to £1,000 each year.
You’ll need to be sure you’ll use the money to buy your first home (or leave it invested until you turn 60, when you can do what you like with it). Otherwise you’ll be charged a 25% government penalty which may leave you with less than you’ve paid in.
Fund your future plans with our Stocks and Shares ISA
You might already be making big plans for your future, like going travelling, getting a degree or maybe even starting your own business.
Or maybe you’re undecided about what your future looks like right now so you’re keeping your options open.
Whatever stage your future plans are at, moving some of your CTF/JISA into our Stocks and Shares ISA gives it the potential to grow until you’re ready for your next chapter.
How to pick the investment style that’s right for you
When you open our Lifetime ISA or Stocks and Shares ISA we’ll ask you to choose an investment style. The style you pick will decide which fund your money will be invested in.
If you’re not sure what this means, don’t panic! Simply, each investment style is based on a different level of risk. So the style you choose will depend on the level of risk you’re comfortable with.
What do we mean by risk?
Investing is generally riskier than putting your money in a savings account. This is because the assets your money is invested in can fall in value.
So if you withdraw your money at a time when the value is lower, you could get back less than you put in.
But, as there’s no limit to how much companies can grow, investing in company shares also has a higher potential to make you money – the assets your money is invested in could increase in value.
What are the three investment styles and how are they different?
The three investment styles you can choose from are: 'cautious', 'balanced' and 'adventurous'.
Each style invests in a different fund:
- Cautious - Invests in a fund called ‘OneFamily Global Select 35% Shares’. With this fund, more of your money is invested in lower risk assets.
- Balanced – Invests in a fund called ‘OneFamily Global Select 65% Shares’. With this fund, more of your money is invested in higher risk assets – but some is also invested in lower-risk assets to balance the risk.
- Adventurous – Invests in a fund called ‘OneFamily Global Select 100% Shares’.
With this fund, all of your money is invested in higher-risk assets.
With higher-risk assets there’s more potential for your money to grow, but they also have higher potential to go up and down in value (which is why they’re higher-risk).
On the other hand, lower-risk assets have a more modest potential for growth – but come with more moderate ups and downs in value.
Although we can’t advise you on which investment style to choose, it’s a good idea to think about the level of risk you’re comfortable with, as well the growth potential for each style.
Have a matured OneFamily Child Trust Fund or Junior ISA?
Read about the different investment styles below, then log in or register for your online account to reinvest your money in our Lifetime ISA or Stocks and Shares ISA.
Choose your investment style
We offer three investment styles which give you the freedom to invest your money in a way that’s rewarding and comfortable for you.
Cautious
Aims for modest growth with more investment in lower-risk assets
Balanced
Aims for more growth with more investment in higher-risk assets
Adventurous
Aims to maximise growth with a focus on higher-risk assets
Your money will be invested in the ‘OneFamily Global Select 35% Shares’ fund which aims to achieve modest growth, with moderate fluctuations in value.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Your money will be invested in the ‘OneFamily Global Select 65% Shares’ fund which aims to achieve higher growth, but with more fluctuations in value.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Your money will be invested in the ‘OneFamily Global Select 100% Shares’ fund which aims to maximise growth but has the potential to see the largest fluctuations in value.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Climate-focused investing
We’ve explained how our investment styles are different in terms of risk and potential for growth.
But they're similar in other ways too. All three funds invest in underlying funds that take steps to reduce investment in companies harming the environment, and are more likely to invest in companies that are climate-focused.
Our Lifetime ISA and Stocks and Shares ISA invest in stocks and shares. This means they have good potential to grow, but the value of your investments could go up as well as down, and you could get back less money than you’ve put in.
Ready to make your choice?
If you want to reinvest some, or all, of the money from your child trust fund or junior ISA, 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’re not decided, don’t worry – you can leave your money where it is while you give it some thought.