Child Trust Fund Calculator
Find out how much a Child Trust Fund (CTF) could be worth at age 18.
Are you wondering what happens to Child Trust Funds at age 18 – visit our Child Trust Fund information hub
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The projections give an estimated fund value to help illustrate what could be available to the Planholder at age 18 with a Forester Life Child Trust Fund, Child Trust Fund – Stakeholder Options, Child Trust Fund – Shariah and Child Trust Fund –Options (invested in Aberdeen UK All Share Tracker and/or Foresters Stakeholder (Schroders) Managed 1 Fund only). At age 18 no contributions can be added to the Plan, therefore the calculator will not be able to provide a projection.
Important information:
- The amount shown by the calculator is only an estimate of what the savings could be worth on your child’s 18th birthday and assume an annual growth rate of 2%, 5% and 8% and an annual charge of 1.5%. It is also assumed an annual increase in monthly payments of 2.5% per annum compound to keep pace with inflation, subject to allowable limits.
- These figures are only examples and are not guaranteed. The actual value could be more or less than shown, and could be less than has been paid in. What you will get back depends on how much your investment grows and on the tax treatment of the investment. Investments can go down as well as up.
- Inflation would reduce what you could buy in the future.
- There is an annual charge of 1.5% of the value of the funds you accumulate. If your fund is valued at £250 throughout the year, this means that we charge £3.75 that year. If your fund is valued at £500 throughout the year, this means that we charge £7.50 that year.
- These figures assume contributions and investment over 10 years. Top-ups to existing Plans may be invested for a shorter period depending on the age of the child at the time.
- These figures do not take into account any Government payments made into the Child Trust Fund.
- If the Plan has received any contribution in the birthday year, and the Plan value exceeds £300, we will send you a statement showing the payments received, the number of units held and the value of your child’s Plan. We will also issue statements on your child’s 11th and 16th birthdays.
- All payments are locked into the Plan until the child’s 18th birthday and cannot be reclaimed by the donor(s).
- For more information please read the Child Trust Fund Key Information Document(s) and Important information.
The calculation is based on:
- Potential investment annual growth rate of 5%.
- Potential annual increase in monthly payments of 2.5% per annum compound to keep pace with inflation, subject to allowable limits.
- Annual charge of 1.5%
What exciting milestones could you be saving towards a child’s future? Find out more
Manage your Plan online
If you are the Registered Contact you can activate your online MyPlans account to view your child’s savings online. MyPlans allows you to make payments online, view your Plan value, see the fund performance, investment information and contact your Financial Adviser.
Family and friends can also set up their own Gifters My Plans account after making a contribution.
