We have two boys, aged 3 and 6 and currently have Child Trust Funds in place and also a savings account for each of them, probably about £3-4,000 in total. Has just dawned on me that I should really be saving a considerable amount to mature when they are 18. I have got an ISA in my name which has about 2,800 in it, so was thinking about adding to that every year, but the rate isn't very good. Was thinking about a Stocks and Shares ISA, but obviously worried about losing capital or about some other sort of investment. Any advice would be welcome.