No. You will not receive any vouchers from the Government.

Every six months we will send you a statement confirming the value of the investment and how it has performed.

Alternatively the fund prices are published daily in the Financial Times, or you can also go online to NatWest.com to see the fund price at any time.

The money will be invested into the Stakeholder Fund, which is an investment fund that invests in equities, bonds and cash. This spread of assets aims to smooth out fluctuations in the share price as the markets rise and fall; however you should note that there is a risk to investing in this fund, and your child could lose money.

The Stakeholder Fund is a Balanced Managed fund. There is a greater level of risk investing in this fund than in a Junior Cash ISA, but a lower level of risk than investing directly in shares.  

The money must remain in the account until your child reaches the age of 18. At that age, your child is free to withdraw the money or continue to invest. The Stocks and Shares Junior ISA will automatically roll over into an Adult Stakeholder Stocks and Shares ISA and we will contact the child to confirm whether they wish to withdraw the account or continue to remain within the adult ISA. When your child turns 16, they also have the option to open a Cash ISA or a Help to Buy ISA.

No. You are unable to take out any of the investment from the Junior ISA.

When your child is 16 years of age they can manage the account, however they are unable to withdraw any funds until they reach 18.

Yes, you have the right to change your mind within 14 days of setting up the investment. You will receive back the market value of your investment at the time you cancel, or the original investment, which ever is the lower.

You can either call us to top up by debit card, amend an existing direct debit on:

NatWest: 0345 603 4047
Minicom: 0800 404 6161

or alternatively send us a cheque to: NatWest, PO BOX 1188, The Grange, Cheltenham, GL50 9UE clearly stating the account reference and child's name to which the payment applies.