Your Police Mutual. Owned by you. Run by you.

Any child born on or after 1 September 2002, and is eligible for Child Benefit, will automatically receive a voucher worth at least £50 from the Government. The voucher must be invested with a registered provider.

Yes. You can open a PMAS Child Trust Fund even if you don't work for the Police. It is a Government requirement that we make our stakeholder account available to the general public.

We have decided to make all our funds available - including non-stakeholder funds - available to you, to give you the flexibility you might need in the future.

The Child Trust Fund is opened by a person with parental responsibility for the child.

This person - known as the 'registered contact' - is the main point of contact for the account, and has responsibility for it until the child reaches 16. At this point the child can take over the responsibility for their account for themselves, although they can't access the money until they're 18.

If you don't open a Child Trust Fund within 12 months of receiving your voucher HM Revenue & Customs will automatically open an account for your child with an allocated provider.

Make sure you open the account yourself – it will give you more flexibility to choose the most appropriate account for you and your child.

No. It can only be used to open a Child Trust Fund.

No, the Government will not make any further payments.

We make a small charge for managing the account. Current charges for each fund are set out below:

You can find out more about the account charges on the Key Features document.

If you invest in the Cautious Managed Fund or Balanced Growth Fund, the account will be lifestyled.

Lifestyling means that we will manage the child's account so that, starting shortly before the child reaches 13, their money is gradually moved into a less risky fund each year. This is to help make the account more stable as the child approaches 18.

You can opt out of lifestyling if you wish.

If you have children who were born before 1 September 2002 they don't qualify for the Child Trust Fund.

If you would like to start saving for them as well, and you’re eligible for Police Mutual products, you could consider the PMAS Children's Bond. You can set up a Children's Bond for your child at any age, until they reach 16.

We'll send you a statement every year to show how the account is doing. You can telephone us on 0845 88 22 999 if you want a statement at any other time. Have your account details with you when you call.

Yes! Parents, grandparents, other family members and the children themselves can make contributions to the account to help the investment grow. The money can only be accessed by the child and only when they reach the age of 18.

A total of up to £1,200 a year can be added to the Child Trust Fund on top of the Government contributions. Once money is invested in the Child Trust Fund account it cannot be accessed by anyone except the child and only when they reach 18

The Government has a website dedicated to the Child Trust Fund, which can be found at www.childtrustfund.gov.uk