Building up a nest egg for your children's future is something every parent would like to do. Our child account services let you take advantage of the potential of the stock market to create a fund ready for your child's future, be it age 18 in the case of a Child Trust Fund or even further ahead as part of their retirement planning with a Child SIPP. And for day-to-day flexibility where you control the timing of releasing assets to their own control, our Designated Dealing account can be just the thing.

Do remember, however, that different accounts have different features such as different tax treatment and different levels of access. You can find out more from the individual services pages that follow. Our account selector can help you choose but if you're not sure which account is most appropriate we recommend you consult a financial adviser.

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• Child Trust Fund – for eligible children born on or after 1 September 2002. Invest your government voucher plus lump sums and regular monthly contributions. Control passes to your child at age 16 but money cannot be withdrawn until age 18.
• Child SIPP Dealing – make use of your child's allowance to start building their retirement fund now. Lump sum or regular investing available. Contribute up to £3,600 per annum. Control passes to your child at age 18 but money can only be withdrawn by taking pension benefits on retirement.

You'll have access to a wide-range of investment options, news, research and information, and great value dealing terms - all aimed at helping you make the most of the money you are investing in your child's future.

Not sure which account is right for you?  Our Account selector can help

• Flat Dealing fee
  £12.50 per trade, online or by phone. Discounted rate after your first 100 trades per quarter, aggregated across all your accounts.
• 'Best execution' – as standard.
  We'll contact up to 17 different 'marketmakers' in order to get you the best price available, aiming always to beat the bid and offer price quoted on the Stock Exchange's systems.
• Limit and stop orders
  For extra control over your dealing, place limit and stop orders on UK shares and covered warrants, valid for up to 90 days, at no extra charge. Plus we can advise you when your limits 'trigger' with an email or SMS alert.

• A choice of easy-to-use accounts - choose the ones that best suit your needs
• Investment decisions you control – pick the individual investments that offer you the right balance between risk and reward.
• Free investment selection tools - to help you find the ones that fit your objectives. Plus news and information to help you keep in touch with the market.
• Regular investment options – credit your child's account.
• Straightforward application processes - apply online or by post.
• 'Nominee account' structure enables us to carry out your instructions with minimum fuss and maximum efficiency – whilst you remain the beneficial owner.
• We take care of much of the paperwork, collect your dividends and even provide an annual summary.

Investing in your childrens' future is a worthwhile thing to do. But you need to look to your own future too!

Our range of Personal accounts helps you to do just that – from day-to-day trading to tax-efficient investment in an ISA or SIPP.

Please remember: The value of investments may fall as well as rise and you may get back less than you originally invested. Limited liability instruments mean that you cannot lose more than you have invested. The risks associated with different instruments will vary: you should choose investments appropriate to your needs and consider your overall mix of different investment types.

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