Cash for anything > 5 to 10 years is def not the way to go. For a kid I'd put it all in some form of All World tracker 100% equity. If you eenvisage they'd act

Cash for anything > 5 to 10 years is def not the way to go. For a kid I'd put it all in some form of All World tracker 100% equity. If you eenvisage they'd actually draw on it aged 18-25 I'd scale back to 70/30 with bonds/gold/cash/whatever.