OK. Based on what you’ve told us, we think you should consider:

A Junior ISA

These are tax-free investment accounts which parents or guardians can set up for children under 18. Anyone can contribute into them – good for birthdays and Christmas? Up to £9,000 a year. The kids do get their sticky mitts on the money when they turn 18.

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If the idea of little Johnny running off to Thailand when he’s 18 makes you nervous, you can always save for the little ones in your own ISA account too, keeping it under your control. Every UK adult can pay up to £20,000 into a stocks and shares ISA every year. In addition to any JISA payments for the rugrats.

Robo ISA

These providers offer simple, ready-made stocks and shares ISAs which are pre-packaged for you. Great for less confident investors who want an easy way to start, set and (mostly!) forget.
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5 tips based on your life stage

Sorting out our finances can be overwhelming and it's hard to know where to start.

Click on your top priority below for some helpful ideas on how to tackle this or to learn more.