Children’s Investment Plan

You will need to register for a pfida account or login to your existing account here in order to open a Children’s Investment Plan.

Once logged in, you will see a Children’s Investment Plan card where you can click ‘Apply now’.

If you already have a GYS account, you just need your child’s first name and date of birth – no birth certificate or other documentation required.

If you don’t have a GYS account, you just need to register the account with your details and your child’s name and date of birth. 

If you would like to open an account for more than one child, add all their names to your application. We are planning to enable a dedicated account per child in future. 

£5,000. 

If you invest £5,000 or more during our promotional period (before 31 August 2026), you will be eligible for a 6% AER target profit rate up to 30 November 2026.  

After 30 November 2026, the target profit rate will automatically convert to the standard 5% AER.  

Target profit rates may vary. Guaranteed returns are not Shariah-compliant. 

You can top-up whenever you like. But remember that regular top-ups are what make compounding work in your child’s favour over time.  

There is no limit to how much you can pay in.  

You can pay in up to £4,000 a month by standing order across all of your Pfida accounts.  

If you want to pay in more than that, you can submit a subscription form on your dashboard by clicking here. 

The value of your investment can increase or decrease, and your capital is at risk. This is an equity-based investment, not a deposit account, and unlike a bank savings account it isn’t protected by the Financial Services Compensation Scheme.

That said, risk varies a great deal between different types of investment. The Plan’s underlying investments are asset-backed, income-generating property finance transactions, which Pfida considers to sit towards the lower-risk end of the investment spectrum. This is quite different from, for example, buying shares in an early-stage tech startup, or investing directly in higher-risk bridging or development finance, where the prospect of losing some or all of your capital is considerably greater.

As with all investing, past performance and any forecasts shown aren’t a reliable guide to future results.

Pfida Ltd (FCA FRN 1053702) is an Appointed Representative of Leela Regulatory Solutions Limited (authorised and regulated by the FCA, FRN 845185) for arranging deals in investments. This means Pfida is regulated for the activity of arranging your investment in the Plan.

The Children’s Investment Plan itself, however, is not a regulated investment product, see below for what that means.

No. As explained above, although Pfida is an FCA-regulated firm for arranging your investment, the Children’s Investment Plan itself is equity-based and is not a deposit account or a regulated investment product, so it isn’t covered by the FSCS or the Financial Ombudsman Service.

Yes, there’s no fixed lock-in period. You can ask to withdraw all or part of the money in the Account at any time, by giving us the required notice (see below).

Withdrawals depend on there being enough liquid funds available within the Account’s underlying investments at the time of your request. If funds aren’t readily available, your withdrawal may be delayed, and we’ll tell you if that’s likely to happen.

For withdrawals of up to £1,000 in any 12-month period, you need to give one month’s written notice. For any further withdrawal in that same 12-month period, or for a single withdrawal of more than £1,000, you need to give three months’ written notice.

You can only have one withdrawal request outstanding at a time. You’ll need to wait for your current request’s notice period to end before submitting another.

If you withdraw more than £1,000 in any 12-month period, we charge 1% of the amount above £1,000.

If we agree, at our discretion, to let you withdraw before your notice period has finished, we charge 1% of the whole amount withdrawn early instead of (not in addition to) the fee above.

Any fee is deducted from the withdrawal proceeds before we pay you.

On your child’s 18th birthday, and on each birthday after that, you can choose either to transfer the Account to your child (no withdrawal fee applies to this transfer), or to keep holding the Account yourself for another year on the same withdrawal terms described above.

If you don’t tell us which you’d like, the Account will continue on the existing basis by default. We won’t automatically transfer the account to your child without your consent.

If you’ve named more than one child on the Plan, it’s your oldest named child’s birthday that matters for these choices.

Full terms and conditions are available before you invest. Rates are variable and not guaranteed