Give your child a. head start. with M&G. Investing for children

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1 Give your child a head start with M&G Investing for children

2 Contents Investing for your child s future 3 Investing for long-term growth 4 Saving for your child s future with M&G: some things to consider 5 Junior ISAs 6 Investing outside The M&G Junior ISA 9 Managing your investment 11

3 Investing for your child s future Everyone wants the best for their children, and that includes giving them the best financial start possible. In these times of historically low interest rates, savings accounts may not offer the best potential returns for your child s investment. So why not get real investment expertise working on their behalf instead? Investing for your child s future M&G have been managing investments for over 80 years and this experience, combined with the expertise of our award-winning fund management team, could be the ideal way to give your child the head start they need. We believe that the earlier you start, the greater the service you re doing them. There are many golden rules for successful investing, like taking a long-term view and maintaining a diversified* portfolio for example. In our view, another point worth remembering is that you should never invest in something you don t fully understand if you understand your investment, the chances are your children will do too when the time comes for them to take control. Although perhaps not the most exciting thing a child will learn as they grow, it s never too early to start learning about managing your money. No one knows what the economic situation will be like when your children or grandchildren reach adulthood, but by investing with M&G, in our view, you ll be making one of the best provisions you can for their future. *Diversified/Diversification the practice of investing in a variety of assets. This is a risk management technique where, in a welldiversified portfolio, any loss from an individual holding should be offset by gains in other holdings, thereby lessening the impact on the overall portfolio. 3

4 Investing for long-term growth Putting your money with a bank or building society may seem an attractive option when saving for your children or grandchildren, as up to 75,000 of your money is secure in a bank or building society through the Financial Services Compensation Scheme, unlike stocks and shares or fixed income investments which are less secure. However, in our view, the long-term nature of saving for children makes investment through collective schemes like those offered by M&G an ideal way to maximise potential returns. 12,000 10,000 8,000 FTSE All-Share Index vs Building Society from over 18 years from ch 1998 to ch 2016 As shown in the top graph on the left, over the last 18 years the FTSE All-Share Index returns (the standard measure of the UK stockmarket) are higher than those of a building society basic interest account. An investment of 4,080 (the current annual Junior ISA allowance) in ch 1998 would have grown to just under 9,000 if invested in the stockmarket, compared to just under 5,000 in a typical building society account. 6,000 4,000 2, The bottom graph shows the same investment, but with the effects of inflation added to the mix. Now the investment in the building society account has actually shrunk in value to just over 3,500. Inflation has had an impact on the stockmarket investment too, but that still shows a positive return with the 4,080 having grown to over 6,000. 8,000 FTSE All-Share Index Building Society Source: Morningstar and M&G Statistics, net income reinvested as at FTSE All-Share Index vs Building Society over 18 years from ch 1998 to ch 2016 (CPI Inflation adjusted) However, please remember that past performance is not a guide to future performance. The value of investments will fluctuate, which will cause fund prices to fall as well as rise and you may not get back the original amount you invested. The level of any income earned by the fund will fluctuate. 7,000 6,000 5,000 4,000 3,000 2, FTSE All-Share Index Building Society 14 Source: Morningstar and M&G Statistics, net income reinvested as at

5 Saving for your child s future with M&G Some things to consider What do you want from your investment? Long-term capital growth? Would you like your investment to grow over time to help your children pay for a big ticket item, such as their university costs? If this is your objective, we have a range of funds aiming to achieve good returns over the long term. Our equity-based* funds invest in a broad spread of countries, sectors and markets, and if you choose to reinvest any additional income you may receive on your investment, you may give your savings even greater long-term growth potential. A regular income? An investment that provides income could be useful if you are thinking about saving for some of the more regular expenses associated with having children, such as school fees. We have a range of funds designed to achieve this, including both equity-based and fixed income** funds. Long-term growth with a regular income? Perhaps you are looking for regular income to help cover your child s school or university fees now, but would also like to see some capital growth to help fund a gap year or a first car? If so, you could choose one of the funds in our range that offers the potential for both income and growth. How would you like to invest? With M&G, you have flexibility. You choose how much you would like to invest, how often and when. You can even adjust these choices as your personal circumstances change. Please read the Important Information for Investors document for current investment limits. With M&G you can: invest a lump sum invest a lump sum as often as you would like, at your convenience. make regular contributions a regular Direct Debit which can be adjusted to suit your needs and changing personal circumstances. a combination of both for those who are looking for the predictability of regular contributions with the flexibility to top-up with a lump sum as and when they choose. Which products are best suited to your needs? There are several ways to give your child the best financial start possible. An Open-Ended Investment Company (OEIC) fund pools your money with that of other investors. This is then invested into different types of assets such as equities, fixed income securities or property. With M&G you can invest directly into our OEIC funds, however when investing on behalf of a child, you can also invest in an OEIC through the following investment vehicles: The M&G Stocks and Shares Junior ISA Junior Individual Savings Accounts (ISAs) are a government initiative which offers investors a straightforward way to save for a child s future. They offer the same tax advantages as an ISA, with the added advantage of locking in the investment until the child turns 18. Since April 2015 Parents and Guardians can choose to transfer their child s existing Child Trust Fund (CTF) into a Junior ISA account. Visit for further information. The M&G Savings Plan A Savings Plan offers you a way of saving on a regular basis; either monthly, quarterly, six monthly or annually. You can invest from as little as 10, top up with a lump sum whenever you would like and you can withdraw from it at your convenience. We are unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser. *Equities are shares of ownership in a company. Equity investors have a claim on a company s assets and profits (the latter in the form of dividends), but only after the company s debts have been paid. **Fixed income securities also known as bonds are loans in the form of a securities, usually issued by a government or company, which normally pays a fixed rate of interest over a given time period, at the end of which the initial amount borrowed is repaid. 5

6 Junior ISAs Keeping your hard-earned money from being taxed more than once has always been an attractive option, so when the Government announced the launch of the Junior ISA it was met with excitement from savers and investment providers alike. As the replacement for the Child Trust Fund (CTF), it has reaffirmed the benefits of ISAs in general and the Government s commitment to them for the foreseeable future. How do Junior ISAs work? Up to 4,080 during the 2016/2017 tax year can be invested on a child s behalf. CTFs can also be transferred into The M&G Junior ISA. You can invest either by regular payments and/or with a lump sum, at any time. The account has to be opened by a person with parental responsibility or legal guardianship this person will be the Registered Contact and will have responsibility for the investment until the child turns either 16 (if the child chooses to take control of their investment at that age) or 18. Anyone can gift or contribute into an M&G Junior ISA (including the child for whom it is held) making it a great alternative for Christmas or birthdays. The money invested can only be redeemed by the child once they reach 18 years of age. Any returns the investment generates will be free from income and capital gains tax. You can switch the investment from a stocks and shares Junior ISA to a cash Junior ISA and back again as required, giving you greater control over your child s investment. Being a Registered Contact for, or third party contributor to, a Junior ISA will not affect your own annual ISA allowance and does not need to be declared on your personal tax return. When the child turns 16, they can choose to take control of their Junior ISA investment if they wish. As the investment is not accessible until the child turns 18, they can be an ideal investment solution to help provide for a child s future. 6

7 How do Junior ISAs and ISAs compare? Junior ISA Annual investment limit: 4,080 in the 2016/2017 tax year. Once invested in either a stocks and shares Junior ISA or cash Junior ISA with an investment provider, each annual allowance must be invested with this same provider until the Junior ISA is transferred elsewhere. You cannot invest each annual allowance with different providers unless a formal transfer of the investment has taken place. You have the flexibility to switch from cash to stocks and shares and back again, giving you greater flexibility and more control over the investment. Anyone can contribute into the Junior ISA as long as the total of all contributions does not exceed the annual limit. However, once made, the contributions cannot be returned, and will belong to the child, who will be the account holder. At the age of 16, a child can open or take control of their own Junior ISA. Contributions are not accessible until the child turns 18 years of age, at which point the account becomes an ISA. ISA Annual investment limit: 15,240 in the 2016/2017 tax year. Each year you have the option of investing your annual ISA allowance with different providers. You also have the option of transferring previous years ISAs between providers at any point, without affecting your allowance for the current tax year. However, some providers may charge for this service. You can transfer money held in a cash ISA into a stocks and shares ISA and vice versa, without affecting your annual allowance. Subscriptions must be made with the investor s own money. N/A N/A Like the ISA, Junior ISAs can hold bonds*, equities, multi-asset funds, cash and even property shares giving you even more flexibility over the future of the child s long-term savings. For further information on The M&G Junior ISA visit or contact our Investment Helpline on Remember that the tax rules for both Junior ISAs and ISAs may change in the future and their tax advantages may depend on your individual circumstances. Please note your current provider may apply a charge when you transfer your Child Trust Fund and/or Junior ISA. Whilst your investment is being transferred it will be out of the market for a short period of time and will not lose or gain in value. The value of investments will fluctuate, which will cause fund prices to fall as well as rise and you may not get back the original amount you invested. We are unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser. *Fixed income securities also known as bonds are loans in the form of a securities, usually issued by a government or company, which normally pays a fixed rate of interest over a given time period, at the end of which the initial amount borrowed is repaid. 7

8 How to invest in The M&G Junior ISA Before investing, you should read an up-to-date version of the Key Investor Information Documents (KIIDs) for the fund(s) in which you wish to invest. There you will find more about the investment, including details about the fund s different share classes: be sure to choose the appropriate one for you. It also explains fund charges, including the ongoing charge, a deduction from your fund which M&G makes to cover the costs of investment management and administration. You should also read the Prospectus and the Important Information for Investors document, which includes M&G s Terms and Conditions. The relevant KIID(s), Prospectus and Important Information for Investors document can be downloaded from or requested by calling our Customer Relations team on If you are not the Registered Contact but wish to make a third party contribution toward an existing M&G Junior ISA investment: Speak to the Registered Contact for the child s investment, and obtain the child s client reference. You will be unable to make an investment without this number. Complete The M&G Junior ISA additional contribution form and send it to us, with your cheque if applicable. Please note that the Registered Contact must also sign this form. If you have any questions on The M&G Junior ISA or any other M&G investment vehicle visit our website at or contact our Investment Helpline. Then, if you will be the Registered Contact and wish to open a Junior ISA investment on behalf of a child, you have parental responsibility for: Choosing the fund(s) you wish to invest in visit to view the range of M&G funds you can invest in. Completing The M&G Junior ISA application form and sending it back to us, with your cheque if applicable. Alternatively you can invest over the phone by calling our Investment Helpline on

9 Investing outside The M&G Junior ISA If you have already used your child s Junior ISA allowance for the current tax year, have more than 4,080 to invest or your child already has a CTF account, there are several other routes to access the long-term growth potential of the M&G fund range. For example, you can invest directly into a selection of M&G OEIC funds or open an M&G Savings Plan to contribute to a child s investment on a regular basis. However, as these vehicles are not tax-efficient, investors need to fully understand their obligations to HM Revenue & Customs (HMRC). Investing in the child s own name Children can only hold shares in a fund within The M&G Savings Plan (and the M&G OEIC) in their own name once they reach the age of 14. For younger children, shares can be registered in the name of an adult but designated for the child by adding, for example, their initials to the designation field on the application form. Once the child reaches the age of 14, the shares can be transferred into their own name. However a designated account is not a legally binding arrangement. If you are looking to add a more formal status (and legal standing) to an investment held on behalf of someone else, you could choose to set up a bare trust. Bare trusts A bare trust is a simple type of legally binding trust, where an individual holds assets, such as shares in an OEIC fund, on behalf of someone else. It is a formal and legally binding way of registering an investment you have made for someone else. How do they work? A bare trust can be used for any purpose, but they are usually used for the maintenance, benefit or education of the child on whose behalf the investment is held. Any unspent income or capital arising from the trust s investment must be accumulated within the trust and not paid out to the holder. For tax purposes, bare trusts are normally treated as if the person who benefits from the trust (ie the child) holds the assets in their own name. The setting up of a bare trust means that as the funds put into trust are leaving the donor s estate, they become a potentially exempt transfer for inheritance tax (IHT) purposes. If the donor lives for seven years after making the transfer, this money is no longer subject to IHT. If the donor dies before the seven year period is completed, the funds would be subject to IHT on a sliding scale. However, if the transfer can be shown to be made as part of the normal expenditure of the donor out of income and they do not reduce the donor s standard of living, they could be exempt from IHT. The controllers of a bare trust will be asked to complete declarations on behalf of the trust to enable M&G to comply with tax reporting requirements. How do you create a bare trust? At M&G we believe that in order to avoid any potential tax issues it is wisest to make a formal declaration of trust to HMRC. This can be arranged through a professional adviser, such as a solicitor, who normally draws up deeds. However, for further information on investing on behalf of a child outside The M&G Junior ISA please speak to a financial adviser. 9

10 What are the tax/regulatory implications of investing on behalf of a child? If you are the child s parent/legal guardian: If the annual gross income arising from the capital investment (whether paid out or accumulated) does not exceed 100, then it is normally taxed as the child s income. If the annual income exceeds 100, the income is taxed as the parent s own. If each parent has provided separate contributions, the child can receive up to 100 gross income per annum for each parent before the income is treated as that of the parent(s). If you are not the child s parent/legal guardian: You can gift up to 3,000 in total per year, tax free (for the purposes of Inheritance Tax), which can be to family and friends. Any dividend or interest income arising from the capital investment is treated as the child s own for income tax purposes. No income tax is payable, up to the child s own personal allowance limit ( 11,000 for the 2016/17 financial year*). *Source: HMRC. How to invest outside The M&G Junior ISA If you wish to invest directly into an M&G OEIC or through The M&G Savings Plan, you can invest by phone or by post. Before investing, you should read an up-to-date version of the Key Investor Information Documents (KIIDs) for the fund(s) in which you wish to invest. There you will find more about the investment, including details about the fund s different share classes: be sure to choose the appropriate one for you. It also explains fund charges, including the ongoing charge, a deduction from your fund which M&G makes to cover the costs of investment management and administration. You should also read the Prospectus and the Important Information for Investors document, which includes M&G s Terms and Conditions. The relevant KIID(s), Prospectus and the Important Information for Investors document can be downloaded from or requested by calling our Customer Relations team on Then, when you have read the relevant documents: To invest by phone Call our Investment Helpline on to invest right now. Please remember to have your debit card* ready when you call. Existing customers will require their M&G client reference. Failure to provide this will affect your ability to transact with us. For your protection calls may be recorded. To invest by post Please complete the appropriate application form which can be downloaded from or requested by calling our Customer Relations team on the number above and return it to us, with your cheque if applicable. *We accept Maestro, Switch, MasterCard Debit, Visa Debit, Solo and Visa Delta. 10

11 Managing your investment The M&G Junior ISA When the initial investment in an M&G Junior ISA is made, the Registered Contact will receive a welcome pack through the post. This will contain a Welcome Brochure and, most importantly, contract notes detailing the investment that has been made. Please check this document carefully. After that, we ll continue to keep the Registered Contact up-to-date with the performance of the investment through communications such as regular statements. When an additional contribution is made to an existing M&G Junior ISA as a lump sum, the Registered Contact will receive a contract note detailing the investment. The third party contributor will not receive any correspondence. When a regular investment by a third party contributor is established for an existing M&G Junior ISA, the Registered Contact will receive a contract note detailing the investment and the third party contributor will receive confirmation of the initial investment by post, as well as their Direct Debit Guarantee. Outside The M&G Junior ISA Once you have invested with M&G, you will receive a welcome pack through the post. This will contain the same documents as outlined previously for The M&G Junior ISA, and you can also expect to receive regular statements detailing the performance of your investment(s). If you have any questions or your investment needs change, please call our Customer Relations team on Alternatively, you can visit the M&G website at for the latest prices and fund performance information. Literature such as brochures and application forms are available, in English, from our website at The Important Information for Investors document and KIID range are available from 11

12 If you have a financial adviser, please contact them for further information on M&G s funds and products, and also for information on how to invest with M&G. If you invest directly with M&G and do not have a financial adviser, you can contact us using the details below. Contact Customer Relations * If you have a query regarding your M&G investment, Customer Relations can be contacted from 8.00am to 6.00pm, Monday to Friday, and from 9.00am to 1.00pm on Saturday. Investment Helpline * If you would like to make an investment, request further information on a new or additional investment, or want to read more about our products and services, call us from 8.00am to 6.00pm Monday to Friday and from 9.00am to 1.00pm on Saturday. Minicom textphone * If you have hearing difficulties, you can contact us on minicom from 9.00am to 5.00pm, Monday to Friday. Our website us** For information. For literature. Write to us at: M&G Customer Relations PO Box 9039 Chelmsford CM99 2XG * For security purposes and to improve the quality of our service, we may record and monitor telephone calls. ** Please note that information contained within an cannot be guaranteed as secure. We advise that you do not include any sensitive information when corresponding with M&G in this way. If you would like to request a copy of the Important Information for Investors document, a Key Investor Information Document or the Prospectus, free of charge and in English, please call Customer Relations free on The value of investments will fluctuate, which will cause fund prices to fall as well as rise and you may not get back the original amount you invested. We are unable to give you financial advice. If you are unsure about the suitability of your investment, please speak to your financial adviser. This financial promotion is issued by M&G Securities Limited which is authorised and regulated by the Financial Conduct Authority in the UK and provides ISAs and other investment products. The company s registered office is Laurence Pountney Hill, London EC4R 0HH. Registered in England No APR 16 /

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