<prompt> Human: Ive been saving up for my daughters future - Universityhouse down payment. At the moment it is mixed in with my savings, but I would like to put it in some kind of trust.Im in the UK and we have childrens ISAs here, which have good interest, but the child has full access to them at 18, and I just feel that it is too young for the responsibility and it could just end up getting blown on a car or some such.What other options are available to me. Ideally I would like: Full access by age thirty Access earlier if I or wife sign for it - to pay for uni or house deposit etc. Money is locked down to her - we cant get it for ourselves. If myself and wife die then she gets full access automatically - that shit would be hard enough on her.Were not talking loads of money here. Probably 15k in the end. Not enough for me to fork out lots in legal fees to set up a unique trust and maintain it.Are there any off the shelf packages that cater to this? Can I put something together myself?Assistant: Just make a Will. Create a seperate bank account for her but in your name. Pass it over when you see fit. Its best to keep money in your name, imagine a scenario where you and your wife both happen to lose your jobs for a few months and you have 10k tied up in your daughters name that you cant use to keep you afloat. Human: One of the main reasons to do it this way is to prevent our stealing it from her when we fuck up.  <response>: Is there any reason why you do not trust your own soundness of mind by the time your daughter is 30? That seems to be an unusual requirement. 