Hello - we're due to have our first child in a few days and I'd like to set up a basic investment product that we / grandparents can pay into at birthdays / Christmas etc and he can access when he's older. There must be something tax-efficient and low-risk with better return than a basic savings account - but I have no idea where to start... Would love to hear what sort of things have the more financially savvy of you have set up for your kids / grandkids? Thanks so much!