Key features of the Forester Life Child Trust Fund                    (Stakeholder Account)

Its aims

  To invest Government Child Trust Fund contributions for your child.

  To invest subscriptions from yourself and other family members, friends and anyone else who wishes to supplement the Government contributions.

  To provide your child with a lump sum benefit at age 18.

  To achieve tax efficient long-term savings growth in a risk-controlled stakeholder account. We will aim to reduce the investment risk of the Plan in its later years by following a 'lifestyle' investment strategy.

Your commitment

  All subscriptions to the Plan are 'locked in' and, except in the event of your child’s earlier death or terminal illness, can only be accessed by the child at age 18.

  To act on behalf of your child until your child takes over responsibility for the Plan at age 16.

  To provide your child with the best start in adult life you should aim to supplement the Government contributions with monthly and/or single subscriptions.

  Regular subscriptions will increase each year in line with RPI.  

Risk Factors

  The value of the Plan may fluctuate as the value of the investments in the Forester Life Stakeholder Managed Fund 1 can go down as well as up. Your child may get back less than has been invested.

  The favourable tax treatment of Child Trust Fund Accounts may change in the future.

  Whilst this Plan meets the standards for a stakeholder Child Trust Fund Account this does not necessarily mean that the investment is suitable for you or that there is any guarantee of performance.