Off the bat , i am not looking for financial advice !!


I'm just getting round to doing my new childs government trust fund (CTF).

I have spoken to a few people who have just opened a bank account with it but i'm thinking of the risky share option.

Does anyone have any views on this without giving financial advice as i know this is illegal

I have been reading that over the long term (15 years or more) shrares should outperform savings and as its only £250 i think its r isk that might be worth taking.
The trouble with that though is that i'm thinking of adding to it monthly.
Adding my own cash to a risky fund doesnt seem so appealing


The other thing about this fund is that the child gets the money when they are 18.
It goes straight to them as its their money. Its a good thing for the first car/deposit etc buts its scary to think what i would have done with a lump sum when i was eighteen


I have been looking through the fund comparison sites and the Childrens Mutual seems to be up there with the best of them.

Some funds are showing a growth of 63% DURING the credit crunch !!
Its a minefield out there

So , without giving me financial advice , what should i do ?