Adrian Childs

When the government gave £500, we continued paying into this.

Is it best to keep the money there or transfer it to an ISA?

She also has a considerable amount in a savings account.

The account is in my name, but is on behalf of her.

OK, Rebecca Connor, I'd like to know if there's a sensible way to save for our son, age three, but with the option of potentially accessing the funds for him if we need them while he's still a minor for school trips, etc.

Very good.

Thank you very much.

Jen Rainbow, the only savings account I can find for my four-year-old is the one you recommended, Halifax Kids Monthly Saver account.

But after a year, the interest is reduced.

And if they open another account instead of the Kids Saver, the interest is cut from 5.5% to 2.25%.

It seems there's not many places you can save with high interest for a child under seven.

OK.

Anne Ellis, I want to pay into a savings scheme for my niece and nephew.

How can I do this in their name with restricted access until they're 18?

Here you go.

Carol has just had a baby.

Congratulations, Carol.

I want to buy stock on behalf of him and so he can access them when he's 18.

Which account should I set up for him?

Ruth Ha says, can I open junior ISAs for my grandchildren, or does this have to be done by their parents?