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Acuity means clear and sharp ideas, and we try to take a different outlook to most. This can be well demonstrated with our advice on Junior ISAs, where we only recommend a small number of companies from the whole market, as we consider the offerings from other providers are generally poor.

Leaving funds in cash over a long period is not an attractive proposition, and allowing for inflation most cash Junior ISAs and Child Trust Funds will lose real value over time.

It is possible to transfer existing Child Trust Funds to new Junior ISAs, and they can be a good home for savings by parents and grandparents for example.

You need to be aware though that children can access the funds at 18 without any control by parents, and we would seriously question the wisdom of saving large amounts into such a scheme. If you want to save a sizeable amount for children we would suggest investing in your own name, and then giving the funds to the children when you wish, when you can then control how they spend it!