{"id":28006,"date":"2023-10-25T13:42:56","date_gmt":"2023-10-25T13:42:56","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/?page_id=28006"},"modified":"2026-06-11T00:21:29","modified_gmt":"2026-06-11T00:21:29","slug":"bare-trust","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/bare-trust","title":{"rendered":"Bare Trust"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm rbc-hero-has-image-bleed rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-nn4zojnk9 hide-mobile-energy-lines is-style-cta-text\"><style>\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9 .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-nn4zojnk9.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-7 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>Bare Trust<\/span><\/h1><span class=\"rbc-hero-category\"><span><br>Self-directed investing<\/span><\/span><div class=\"rbc-hero-breadcrumb link-chev-left\"><div class=\"rbc-icon mr-half\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\" style=\"color:#006ac3\"><\/i><\/div><span style=\"color:#006ac3\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\" data-type=\"page\" data-id=\"25446\">BPS<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/>\n<p class=\"rbc-hero-subtitle\">A Bare Trust offers a straightforward way to support your child&#8217;s future and lets you invest as much as you like. While these funds are for your child, you can use them for costs like school fees before they turn 18.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap col-lg-5 order-2 order-lg-1\"><div class=\"rbc-hero-img bleed-img-right d-none d-lg-block rbc-image-with-focalpoint-desktop rbc-image-with-focalpoint-mobile\" style=\"background-image:url(https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2023\/11\/1175884203_Bare-Trust.jpg?w=1600);--bg-position-x-desktop:31%;--bg-position-y-desktop:36%;--bg-position-x-mobile:35%;--bg-position-y-mobile:41%\"><\/div><\/div><div class=\"align-self-end order-lg-3 col-lg-7 cta-text\"><div class=\"rbc-button-block row no-gutters align-items-end rbc-hero-button-overlap\"><div class=\"col-lg\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/wme\/uk\/bps-bare-trust-account-opening-form.pdf\" class=\"rbc-button  rbc-button-large rbc-button-secondary rbc-button-block rbc-button-block-cta\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fa-angle-right fal\"><\/i><\/div>Download a Bare Trust application form <\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-image-bleed rbc-block-image-mobile-top has-theme-color has-text-color has-link-color wp-elements-b9c2f20413bc61d96a3beaac77da3e5c\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-investing-for-your-child-with-a-bare-trust\" class=\"wp-block-heading\"><strong>Investing for your child with a Bare Trust<\/strong><\/h2>\n\n\n\n<p>Set aside investments for your child in a simple, tax-aware structure. While the assets legally belong to them, you retain control as trustee until they turn 18, deciding on how funds are invested and when they may be used for their benefit.<\/p>\n<\/div><\/div>\n\n\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-top\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header has-block-grey-background-color has-background\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h3 id=\"h-key-features-of-a-bare-trust\" class=\"wp-block-heading rbc-block-header-title col-lg-12\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><strong>Key features of a Bare Trust<\/strong><\/h3>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container\"><div class=\"row blockId-5f764164-9784-45e3-a08e-cb59bcee0e62\">\n<div class=\"wp-block-rbcwm-column col-lg-6\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><div class=\"wrap\">\n<h4 id=\"h-no-investment-limit\" class=\"wp-block-heading\">No investment limit<\/h4>\n\n\n\n<p>You can invest from as little as \u00a3500. As there\u2019s no upper investment limit, a Bare Trust can be an appropriate investment solution if you want to invest larger sums. All gains and income use the child\u2019s personal tax allowance. An exception is gifts by parents \u2013 if the income from the Bare Trust exceeds \u00a3100, the full income for the account will be taxed as if it belongs to the parent.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6\"><div class=\"wrap\">\n<h4 id=\"h-tax-efficient-investing\" class=\"wp-block-heading\">Tax-efficient investing<\/h4>\n\n\n\n<p>Contributions from anyone but the child\u2019s parents will be taxed as if they belong to the child, which could mean little or no tax to pay.<br><br>Your initial gift into a Bare Trust could also be considered a \u2018<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/making-tax-efficient-gifts-to-grandchildren\" data-type=\"post\" data-id=\"23176\" class=\"link-underline\">potentially exempt transfer<\/a>\u2019 which means it won\u2019t be subject to inheritance tax \u2013 provided you survive for seven years after making the gift.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><div class=\"row blockId-b8289365-1ab9-4bf3-9bdf-616f6d29a1fd\">\n<div class=\"wp-block-rbcwm-column col-lg-9\"><div class=\"wrap\">\n<h4 id=\"h-trustee-control\" class=\"wp-block-heading\">Trustee control<\/h4>\n\n\n\n<p>You act as the trustee and retain full control over how the money is invested and used until the child turns 18. The account can remain open after this date.<br><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-9\"><div class=\"wrap\">\n<p>It\u2019s important to remember that returns from investments into a Bare Trust aren\u2019t guaranteed. The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/header>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h3 id=\"h-is-a-bare-trust-right-for-my-child\" class=\"wp-block-heading rbc-block-header-title col-lg-12\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><strong>Is a Bare Trust right for my child?<\/strong><\/h3>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All children are eligible and there are no investment limits.<\/li>\n\n\n\n<li>Money held can be used for the child\u2019s benefit under limited circumstances, e.g. for education.<\/li>\n\n\n\n<li>Gains or income may typically use the child\u2019s personal allowances for income and capital gains taxes.<\/li>\n\n\n\n<li>The account can remain open beyond the child\u2019s 18th birthday.<\/li>\n<\/ul>\n<\/div><\/header>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush rbc-block-small\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush rbc-block-small\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-featured has-primary-background-color has-background b-primary\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-how-to-invest-in-a-bare-trust-with-us\" class=\"wp-block-heading rbc-block-header-title col-lg-12 has-white-color has-text-color\">How to invest in a Bare Trust with us<\/h2>\n\n<\/div>\n<\/div><\/header>\n\n\n\n<div class=\"row wrap blockId-10fa329a-3af8-4191-bda9-daecf153b470\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<div class=\"wp-block-rbcwm-cardcta-block rbc-card rbc-card-cta rbc-card-hover rbc-card-cta-translucent rbc-card-mb ani-card-up\" data-observe=\"{&quot;add&quot;:&quot;ani-card-up&quot;,&quot;remove&quot;:&quot;ani-card-up-from&quot;}\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col d-flex\"><div class=\"row w-100 align-items-center\"><div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\"><h3 class=\"rbc-card-cta-title h4\">Step 1: Choose your portfolio<span class=\"rbc-icon\"><\/span><\/h3>\n<figure class=\"wp-block-rbcwm-blockquote mb-0\"><blockquote class=\"rbc-display\"><\/blockquote><\/figure>\n<\/div><div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7\"><p class=\"rbc-card-cta-seperator\">Select from six investment portfolios to match your attitude to risk, all designed by our in-house experts.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-cardcta-block rbc-card rbc-card-cta rbc-card-hover rbc-card-cta-translucent rbc-card-mb ani-card-up\" data-observe=\"{&quot;add&quot;:&quot;ani-card-up&quot;,&quot;remove&quot;:&quot;ani-card-up-from&quot;}\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col d-flex\"><div class=\"row w-100 align-items-center\"><div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\"><h3 class=\"rbc-card-cta-title h4\">Step 2: Complete and send the form<span class=\"rbc-icon\"><\/span><\/h3>\n<figure class=\"wp-block-rbcwm-blockquote mb-0\"><blockquote class=\"rbc-display\"><\/blockquote><\/figure>\n<\/div><div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7\"><p class=\"rbc-card-cta-seperator\">Download and complete the\u00a0<a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/wme\/uk\/bps-bare-trust-account-opening-form.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Bare Trust application form<\/a>. Our UK-based team can help with any questions you have.<br><br>Call us on <a href=\"tel:03332079003\" class=\"link-underline\">0333 207 9003<\/a> or email us at\u00a0<a href=\"mailto:customer.services@brewin.co.uk\">customer.services@brewin.co.uk<\/a>.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-cardcta-block rbc-card rbc-card-cta rbc-card-hover rbc-card-cta-translucent rbc-card-mb ani-card-up\" data-observe=\"{&quot;add&quot;:&quot;ani-card-up&quot;,&quot;remove&quot;:&quot;ani-card-up-from&quot;}\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col d-flex\"><div class=\"row w-100 align-items-center\"><div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\"><h3 class=\"rbc-card-cta-title h4\">Step 3: Start investing<span class=\"rbc-icon\"><\/span><\/h3>\n<figure class=\"wp-block-rbcwm-blockquote mb-0\"><blockquote class=\"rbc-display\"><\/blockquote><\/figure>\n<\/div><div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7\"><p class=\"rbc-card-cta-seperator\">We&#8217;ll confirm when your account is ready. Track your investments anytime through our BPS app or online portal.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-top rbc-block-small\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-grey rbc-block-flush rbc-block-image-bleed rbc-block-image-mobile-top has-block-grey-background-color has-background\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-why-choose-us\" class=\"wp-block-heading\">Why choose us?<\/h2>\n\n\n\n<p>We have over a century of experience in helping people grow their wealth, taking a long-term view of investment and client relationships.<\/p>\n\n\n\n<p>BPS is an execution only, non-advice service. We provide pre-determined portfolios which are designed by our in-house experts. We take on the hard work of picking what assets are in these portfolios, so you don\u2019t have to. You just need to choose your investment style and risk category \u2013 we will do the rest.<\/p>\n\n\n\n<h4 id=\"h-expert-management-simple-fees\" class=\"wp-block-heading\"><strong>Expert management, simple fees<\/strong><\/h4>\n\n\n\n<p>You get access to our expert investment thinking through a range of pre-determined portfolios. Our <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/fees-and-charges\" data-type=\"page\" data-id=\"12387\" class=\"link-underline\">simple fee structure<\/a> ensures you know exactly what you\u2019re paying, while you can track performance any time via our app or online.<\/p>\n<\/div><\/div>\n\n\n<\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-image-bleed rbc-block-image-mobile-top has-white-background-color has-background\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-a-human-touch\" class=\"wp-block-heading\">A human touch<\/h2>\n\n\n\n<p>We know how important speaking to someone is. Our UK-based experts are on hand to answer your questions. You can call us or email us whenever you need support.<\/p>\n\n\n\n<p><strong>Call us <\/strong>on <a href=\"tel:0333 207 9003\" data-type=\"tel\" data-id=\"tel:0333 207 9003\" class=\"link-underline\">0333 207 9003<\/a><br>Monday to Friday 8am to 6pm<br>Saturday 8am to 12pm<\/p>\n\n\n\n<p><strong>Email us<\/strong> at <a href=\"mailto:customer.services@brewin.co.uk\" class=\"link-underline\">customer.services@brewin.co.uk<\/a><\/p>\n\n\n\n<p><strong>Write to us<\/strong> at:<br>Brewin Portfolio Service<br>Sixth Floor, Atria One<br>144 Morrison Street<br>Edinburgh, EH3 8BR<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-0 flex-lg-row-reverse\"><div class=\"rbc-block-image-bleed-img-wrap  d-flex flex-lg-row-reverse\"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-left\" data-src=\"https:\/\/www.brewin.co.uk\/wp-content\/uploads\/sites\/10\/2023\/10\/537212737_Customer-Service.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush overlap-top overlap-bottom\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-rbcwm-rbc-button alignfull rbc-button-block row no-gutters align-items-end justify-content-end blockId-74416774-f2c6-456f-848a-3ed4129d892d\"><div class=\"col-lg-7 order-1\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/wme\/uk\/bps-bare-trust-account-opening-form.pdf\" target=\"_blank\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-secondary rbc-button-block\" rel=\"noopener noreferrer\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-fal fa-angle-right \"><\/i><\/div><span>Download the Bare Trust application form<\/span><\/a><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey rbc-block-has-overlap has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-our-insights-and-ideas-nbsp\" class=\"wp-block-heading rbc-block-header-title col-lg-12\"><strong>Our insights and ideas<\/strong>&nbsp;<\/h2>\n\n<\/div>\n<\/div><\/header>\n\n\n\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t<div class=\"row overlap-bottom\">\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2023\/07\/investing20for20children20large.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>A guide to investing for children<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tFamily finances\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/a-guide-to-investing-for-children\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; A guide to investing for children<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2023\/10\/04-thumbnail.jpg');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Tips for passing on wealth to children<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tWealth transfer\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/when-is-the-best-time-to-pass-on-wealth\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Tips for passing on wealth to children<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2025\/09\/woman-and-young-girl-sitting-crosslegged-on-a-white-sofa-talking.jpg');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Investing for children \u2013 your options<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tFamily finances\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/investing-for-children-your-options\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Investing for children \u2013 your options<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-top rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<p class=\"is-style-default\">This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client. It may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/p>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Invest in your child\u2019s future with a Bare Trust from BPS. Contribute without limits and access funds for expenses such as school fees before they turn 18.<\/p>\n","protected":false},"author":49,"featured_media":0,"parent":25446,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-28006","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bare Trust \u2013 RBC Wealth Management UK<\/title>\n<meta name=\"description\" content=\"Invest in your child\u2019s future with a Bare Trust from BPS. 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