Childrens Mutual Child Trust Fund Reviews

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2.7 stars
Average rating for this product is: 2.7 out of 5

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ING DirectING Direct ISAOpen an account today in approximately 10 minutes. A simple way to save up to £3,600, without paying tax on your investment.Monthly2.50%N/A
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AbbeyDirect ISASave from just £1 to receive 2.00 AER (variable) tax free.Annually2.00%N/A

Average Ratings for Childrens Mutual Child Trust Fund

  • Value for Money2.5 stars
  • Reviewer Ratings2.5 stars
  • Overall Rating2.8 stars

12 Reviews For Childrens Mutual Child Trust Fund

  • Guest 17th Nov 2009

    Reviewer rating: 4 stars


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    CTF's are long terms investments!

    The money cannot be accessed until your child is 18 years old and so you should not worry about fluctuations in the market at this stage.

    In fact, the market being volatile is actually a good thing for long term investors - particularly those investing monthly. You want shares to be cheap when you buy them.

    Some of those comments below are ridiculous!

    Stick with a fund manager with a good long term track record, ie Neil Woodford who manages Invesco Perpetual Income. He'll get you a good return over the years.



  • Guest 10th Oct 2009

    Reviewer rating: 1 stars


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    Not recommended.
    Our experience over the last two years:
    October 2007 to March 2008 paid in £300, value in March 2008 was £261.
    March 2008 to March 2009 paid in further £120, total value on March 2009 was £260.21.

    Thats a £420 investment over two years thats worth £260. That is a terrible performance, not recommended at all. Also regularly receive circulars encouraging us to invest more!

  • Guest 21st Sep 2009

    Reviewer rating: 4 stars


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    Our Grand-daughter's trust fund is with Children's Mutual and has risen in value by over 30% in a few months since opening. We've got a direct debit which was easy to set-up and we can also pay in using our bank card online.

    Likes: easy to pay into
    Dislikes: can't check fund value online (but call centre reps are helpful and have info to hand)

  • Partsman999 Rank: Corporal 22nd Jun 2009

    Reviewer rating: 4.5 stars


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    This Childrens Mutual Child Trust fund is managed by the Tunbridge wells equitable society and with the coop ftse4good fund, managing in ethical companies, over last 20 years these companies have out performed other industrial indicies.

  • davidbastock 6th May 2009

    Reviewer rating: 0.5 stars


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    I pay the maximum amount evey year into a Childrens Mutual Child Trust Fund for both my children ( £1200 each) and Ive just received the annual statement for my eldest son. Having paid in the full £1200 the fund value has grown by £100, so thats a loss of £1100 in a year. Even if I take the total amount of shares I own in the fund and multiply if by the original share price of £1 I'm still ove £1000 down on the investment. Very unhappy!

  • Portmid 6th Sep 2008

    Reviewer rating: 4 stars


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    Childrens Mutual Trust Fund is as good as any other CTF Plan. I particularly liked the ease of applying. However my eldest daughters fund has been poor of late but given the economic market at the moment it is hardly surprising. I still think that the CTF from Childrens Mutual is as good as any in the longer term.

  • lapham 6th Aug 2008

    Reviewer rating: 0 stars


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    I have paid £120 into my grandchild's account over the past 12 months. CTF advise that the value of the fund has increased by £7.75 only on a total investment of £521.43. Even allowing for the poor performance of the stock market this is bad. No more investments into this fund for me.

  • doubletroubletwo 13th Jun 2008

    Reviewer rating: 4.5 stars


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    Im not convinced there is much to choose between the different accounts so I'm happy to take the best deal on offer!

  • terribletwos 31st Mar 2008

    Reviewer rating: 4.5 stars


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    I like the top-up facility, very easy to use
    Site is very visible on the internet easy to find via google and 30pound incentive for opening online with a direct debit. The best choice for anyone looking to apply for a ctf online, the extra incentive for opening an account online with a direct debit is a bonus

  • Guest 8th Mar 2008

    Reviewer rating: 0 stars


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    I have both of my children in the Childrens Mutual Child Trust Fund, they have both lost money this year, £55 each. I find this hard to believe as my pension has climbed by 11%, and my own shares and investments have increased by 8.2%. This fund is not a good investment.

  • mcartney Rank: Corporal 7th Jun 2006

    Reviewer rating: 0 stars


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    I have invested £7 month in 2 policies with The Childrens Mutual; ie £840 into each. After 10 years, each has returned £887. An increase of £47. The company claim on the website increased performance over a building society. I do not think so!

    My complaint has just today been concluded with a lesson in how 'The Childrens Mutual' invests our money. No apology for their pathetic performance. That's just the way it is. I invest heavily in Units and Shares, and with my lim ...

  • arthur7 Rank: Sergeant 14th May 2005

    Reviewer rating: 3.5 stars


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    Excellent selection of funds and investment options. These options however carry a much higher degree of risk. The Children's mutual is a friendly society aimed at Children's investments.
    This is not advice just some notes I have found, I'm not qualified to give advice and couldn't do it anyway in this small amount of space.