Anyone any idea about these, weve just got our pack after 16weeks for the bairn. Ive only had a quick squint at it but does anyone know which is the best to take out, ive kind of wrote the shares type out straight away. Im thinking more along the lines of just a straight savings account if possible.

don't take any advice from me - -I'm as "pink lint" as they come!!!!

We were thinking about putting ours into the middle option and just leave it without adding anything to it, we were then going to open a regular savings account for the littleun and just add money to that, doing it this way means that should she want to use some of the money to buy owt we can withdraw it no problem, whereas with the trust fund you can't make any withdrawels until the littleun is 18 years old