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Nearly one million children in the UK have lost touch with their Child Trust Funds, according to research by The Share Centre,http://users.atw.hu/as-esport/index.php?site=forum_topic&topic=17076cheapjordanshoesfreeshipping.com/bolg, a stockbroker.


It suggests that one in six of the long term, tax-free savings accounts for children are not registered to an up to date address. The total amount lying forgotten is ?600m.


Most accounts hold ?250 but some, those for lower income families in receipt of Child Tax Credit, could have up to ?1,000.


Share Radio, a digital radio station,http://users.atw.hu/phake-mgaming/index.php?site=forum_topic&topic=14836cheapjordanshoesfreeshipping.com/bolg, has launched a campaign to reunite young people with their lost cash by drawing attention to HMRC’s online tool – Where’s My Child Trust Fund. Parents simply need to submit their address and child’s details to enquire as to where their lost child fund lies.

How has this happened?


Gavin Oldham,cheap retro jordans, managing director of Share Radio and founder of The Share Centre,http://users.atw.hu/jhc-clan/index.php?site=forum_topic&topic=18433cheapjordanshoesfreeshipping.com/bolg, said many accounts have ended up lost because the Government set them up on their behalf.


CTFs were introduced in 2005 for every baby born since September 1,cheap jordans free shipping, 2002 in an attempt to encourage parents to save for their children. (The scheme was replaced with Junior Isas for babies born after January 2, 2011)


An initial ?250 voucher was given to parents upon opening the account. Low income families received a further ,cheap wholesale jordans,Kicksokok.com?250.


Parents were given 12 months to decide if they wanted to pay the money into the savings-type CTF or the stakeholder or shares version, where the money would be invested.






If the parents did not deposit the funds in this time,cheap jordan shoes,cheap jordan shoes,http://users.atw.hu/probdesign/index.php?site=forum_topic&topic=13836cheapjordanshoesfreeshipping.com/bolg, HMRC set up a stakeholder CTF on their behalf.
Parents and guardians could make regular payments into the account. When the child turned 18,cheap authentic jordans, they were able to access the funds.




Mr Oldham said: "The oldest child who had a Child Trust Fund opened would now be nearly 14. In four years, they are entitled to that money which they are likely to need."


It's also worth noting that the Labour government had promised top-up payments of ?250 or ?500 would be paid on each child's seventh birthday but the Coalition government scrapped this in 2010, among austerity measures.


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I’ve found my Child Trust Fund – what should I do next?


The first thing to do when you rediscover a lost CTF is to check which type of account you have and what rate you are getting.


Generally speaking, cash CTFs do not tend to pay an especially competitive rate, and the stakeholder and shares versions often charge high fees. It would be worth establishing if you could get a better rate on a Junior Isa.


CTFs were replaced by Jisas in 2011. Both are tax free accounts and allow parents to pay in a maximum of ?4,080. Both have cash and investment versions. Control of the accounts can be handed to the child from age 16 and the money can be accessed from age 18.


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In April 2015 the government made it possible for CTFs to be converted into Jisas which as well as paying a better return, also offer a wider variety of investment choices and lower management charges.


Danny Cox of Hargreaves Lansdown, a financial services firm, said if your child is younger than 13 years old, a stocks and shares Jisa should be considered.


He said: “If you have more than a five year time horizon, it is usually worth looking at investment opportunities. It won’t be a straight line of return, but over this period, the investment is likely to outperform savings.


“The best cash Jisa pays around 3pc. A stocks and shares Jisa would yield 5pc or 6pc on average before charges.”


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Source: Hargreaves Lansdown


Parents could also get the same fund for smaller fees with a Jisa.


Mr Cox said: "Around one million parents invested in the Children’s Mutual tracker fund which charges 1.5pc. You can get the same fund with a Jisa with a 0.5pc fee.”


The Children's Mutual CTF invests in the Aberdeen Foundation Growth fund, which aims to replicate the returns from the FTSE All-Share index. Via Hargreaves, the fee is 0.55pc in total - 0.1pc is the ongoing cost of the fund plus Hargreaves' charge of 0.45pc. A slightly cheaper tracker fund is the Legal and General UK Index all share tracker at 0.51pc - 0.06pc ongoing cost and 0.45pc for Hargreaves.


Other DIY investment platforms offer cheap index trackers, through their Jisas. See our table of the cheapest platforms.&nbsp,cheap air jordans;









Children cannot access funds in a CTF of Jisa until they turn 18

Credit: Alamy







A cash Jisa also offers a more competitive rate than its CTF equivalent.


Yorkshire Building Society offers the best CTF rate - it pays 3pc although this includes a 0.7pc 12 month bonus.




The top Jisas pay 3.25pc from Nationwide and Coventry Building Society. Halifax has a Junior Isa that offers 4pc to 16 and 17 year olds if their parent or guardian holds a Halifax Isa already. All allow CTF transfers in.


Tom Adams of SavingsChampion.co.uk said: “Since the introduction of Junior Isas, Child Trust Funds have been put on the backburner and are hardly mentioned.


“As with many savers, forgotten funds may be just sat in these accounts not doing much so parents should compare rates and switch to a better payer.”


However, he advised parents to check as some of the older CTFs may still be paying a better rate.


For more child savings options, see our best Junior Isas.


The best of Telegraph Money: get our weekly newsletter





‘Traffic'. A more highly-strung, antagonistic character than Don Armand might have the word on a bedroom poster or scrawed across his wrist tape as part of a snarling pre-match routine,cheap jordans free shipping.


Eddie Jones is a master of using the press to manoeuvre a message. England’s head coach knows how closely his every sentence is scrutinised, so he clearly takes care when publicly evaluating a player.


Armand’s consistency and resourcefulness mean the back-rower has been highlighted to Jones more than once. Back in May,http://jmxhsz.com/wygkcn_GuestBook.aspcheapjordanshoesfreeshipping.com/bolg, following Exeter Chiefs’ Premiership victory,jordans for cheap,cheap jordans, the message was that he needed to tally more involvements during games.


After his autumn omission in the wake of a Test debut from the bench in Argentina and an all-action start to the season, Armand’s form was broached to Jones again. The verdict? “He has great lineout attributes and is very good wide out, but we like our number sixes to carry more in the traffic.”


The assessment inevitably reached him,http://users.atw.hu/jhc-clan/index.php?site=forum_topic&topic=18432cheapjordanshoesfreeshipping.com/bolg,cheap authentic jordans,cheap real jordans, but the affable Armand laughs when it comes up in conversation. One of Rob Baxter’s trademark signings,cheap jordans for sale, who arrived at Sandy Park from Cape Town Super Rugby franchise the Stormers in the summer of 2013,cheap air jordans, is not anticipating a Six Nations role.









Armand was named Man of the Match in the Premiership final

Credit: GETTY IMAGES







“It’s quite a tough one to wrap your head around,” he admits of the t-word. “But Rob responded to that when he just said I had to keep doing what I was doing. If a place opens up, great. If I’m playing well enough, they’ll make a place for me.


“I can’t really change what I do because what I’ve been doing has gotten me where I am. If I start to focus on making sure I’m in heavy traffic, I might stop focusing on other things that are going well.


“Obviously there might be times that I could try to work my way in or be the one to put my hand up in heavy traffic, but it’s not something that I’ll actively chase in the game. I’m lucky in that we don’t rely on individual brilliance. As long as everyone is doing their role, you can enjoy yourself.”


Armand is not about to wander off-script in pursuit of personal gain. But while he does occasionally migrate towards the touchline as part of Chiefs’ meticulous attacking patterns, it is not as if the harder yards are shirked. Teams know they need to muscle up to stop him in narrow channels as well.


Helping Exeter surge into a 17-3 lead over Leinster at the Aviva Stadium recently, Armand slipped a clever pass to try-scorer Sam Skinner from five metres out. Later in this first half, he bounced Sean Cronin to the floor. There were plenty of subtle, steely contributions around the breakdown and in defence that did not catch the eye as easily.




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The 29 year-old emerged from 160 ferocious minutes - against a phalanx of international opponents including British and Irish Lion Sean O’Brien - with his reputation intact, even enhanced among Leinster supporters. Indeed, he embraced the crackling intensity of those Anglo-Irish fixtures and says a pair of defeats have been used as a launch-pad.


“You look at where Exeter have come from and where they are going, we definitely are a team that learns from our mistakes… or our failings, it’d be better to say. Our group is tough in the Champions Cup, but we’re relishing it regardless of the results that we get. Whether we win or lose we’re learning some really important lessons in the matches.”


Saturday’s display in a 35-14 victory over Northampton Saints at Franklin’s Gardens, wearing the number seven shirt, offered yet more evidence of how Zimbabwe-born Armand has become an adopted, adored Devonian.


One young fan, Beau, celebrated his fourth birthday at the start of this month. An icing figurine of Armand adorned his cake. Earlier this year, Beau attended a friend’s party as his hero - fake beard, Mohawk haircut, the works.





“That was very accurate, actually! It was awesome,” adds Armand. “That’s what got me the most, how well the beard had been drawn on. I had to double-take because he had the head-strapping and everything.


“Credit to his dad, he’s so passionate and that leads into his kids. The ‘Chiefs family’ vibe has been going strong since before I got to the club and I felt that straightaway. It’s special to be a part of.”


Exeter host Leicester Tigers on New Year’s Eve before travelling to Newcastle. Then ties against Glasgow Warriors and Montpellier decide their Champions Cup fate.


Armand has not had time to think of specific resolutions for 2018, beyond more of the same. Even if that is not enough for Jones, the Chiefs will be delighted.