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alternative to a CTF

We currently have a CTF set up for our 5mth old DD, which is being paid into by various rellies,

me and the wife would like to start up some savings for her, in our names. No matter how well we teach her there is always a chance that on her 18th her CTF will be spent on tatto's and alcopops, we wouldlike to be able to give her a deposit on a house or a car,

we are currently looking at about £40 a month, whats best? a savings acount, shares etc.... one thing that might influence is that me and the wife have a pretty poor credity rating so this my limit our options!

thanks in advance

Matt

Comments

  • dunstonh
    dunstonh Posts: 120,213 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Investment trusts or unit trusts typically are the best option.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • jt2k6
    jt2k6 Posts: 144 Forumite
    thatnks for the advice but what r they?

    financial gubbins ain't really my bag, i can just about cope with a bank account and a couple of loans! lol
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