Childish 投資s

By This Is Money
Updated: 00:00 BST, 28 June 2000

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I have just had a baby and would like to open a 貯金 account for her. What and who would be the best 選択s? SL, London.

Is a child 貯金 account the best 選択 to maximise my daughter's 貯金 or should I consider an ISA or 類似の? LM-H, London.

Kim North of 独立した・無所属 財政上の 助言者s Pretty Financ ial says: Here's the low-負かす／撃墜する on 投資するing for children: If you 計画（する） to 投資する for a long period - from 幼少／幼藍期 until age 18 for instance - you stand the best chance of good returns if you bypass 貯金 accounts altogether and go for 集団の／共同の 投資s like 部隊 信用s or 投資 信用s instead.

Most 受託する 正規の／正選手 貯金, some from as little as £20 a month, and they are very 柔軟な so you can stop and 再開する 支払い（額）s when it 控訴s you. Consider 法人組織の／企業の 社債 基金s, 所有物／資産／財産 基金s or 株式市場-関係のある 基金s. There is a wide 範囲 to choose from so you can choose the level of 危険 you want to take 耐えるing in mind that to get the chance of higher returns you need to 増加する your level of 危険.

When choosing look at past 業績／成果 and the 告発（する），告訴（する）／料金s you will 支払う／賃金. You might find tracker 基金s (いわゆる because they '跡をつける' the 業績／成果 of the 株式市場) 価値（がある） looking at as 告発（する），告訴（する）／料金s are very low, though if you want the 貯金 to try and outperform the market look at managed 基金s (where professional 基金 経営者／支配人s manage the 基金 on に代わって of the 投資家s) These cost more in 告発（する），告訴（する）／料金s and are likely to be more volatile but you may get better returns than with a tracker.

As for companies. consider the big 投資 houses like Invesco, Framlington or Perpetual, which have been long-称する，呼ぶ／期間／用語 decent performers. You can 投資する the 基金s on the child's に代わって to take advantage their 税金 allowance and so get returns 税金-解放する／自由な. This also means you have 支配（する）／統制する of it until you 調印する it over to them (after age 18 or on marriage - 公式文書，認める there are different 支配するs in Scotland). If you go the 集団の／共同の 投資 大勝する remember you need to start looking at the 基金 at least six months before you 計画（する） to draw the money out so as to choose a good time to take it out - you want to 避ける 撤退 when the markets are low. Get advice about the best time to 身を引く. As for the child 貯金 accounts with banks and building societies, these are 罰金 if you want to encourage older children to manage their own pocket money, but the best 率s are 現在／一般に around 6% - いっそう少なく than some ordinary 平易な-接近 accounts - and some 支払う／賃金 very low 率s. Children 一般に have to be at least seven years old ーするために run them for themselves. As for ISAs, they are not 利用できる to children - you have to be at least 18 to have one and they cannot be taken out on a child's に代わって.