Transfer your CTF to us or transfer your Shepherds Friendly CTF to our Junior ISA to help build your child’s savings tax efficiently

As of 6th April 2015 anyone with a CTF will be able to transfer it to a Junior ISA. There are several and very important differences, which you need to be aware of between the CTF and the Junior ISA.

Download transfer form


At a glance: The important differences between a CTF and a Junior ISA

 CTFWith-Profits JISAUnit-Linked JISA
Annual Charge1.5%pa1.5%pa1.5%pa
FundL+G UK Index TrustWith-ProfitsL+G UK Index Trust
RiskMedium – highLow – mediumMedium – high

Please note that the Shepherds Friendly Unit-linked Junior ISA is only available to current Shepherds Friendly CTF members.


Quick and easy transfer process

If you would like to transfer your CTF to a Junior ISA you will need to complete our Transfer form and then send it to our Customer Service Department. You can do this by post, email or fax.

Need more information or help?

Remember, if you have any questions about your Junior Stocks & Shares ISA or applying for the plan, our Member Services team will be happy to help. You can call them on 0800 526 249.

Download transfer form

  • One of the main differences between the With-Profits and Unit –Linked products is that the With-Profits product smooths out the investment losses/gains over the years with the aim of paying bonuses. It does this by holding back some of the profits from good years to boost the profits in bad years.
  • The Unit-Linked product is more in the hands of the market and the value of your Investments can fall as well as rise and you may get back less than you originally invested.

All references to taxation are to UK taxation and are based on Shepherds Friendly Society’s understanding of current legislation and H M Revenue and Customs practice which may change in the future. For our With Profits plans investment growth is by means of bonuses, the amount of which cannot be guaranteed throughout the term of the contract. Please ensure that you read the full terms and conditions of this plan which are available from your financial adviser or by contacting us directly.