James Saunders Watson (Head of Sales & Marketing for Investment Trusts at JPMorgan Asset Management) and Justin Modray (an independent financial adviser with BestInvest & a regular contributor to advice columns) answer questions on the huge range of savings and investment products for children. All the products promise to create wealth for your offspring over the years, but not all deliver what they promise and consumers must look at the varying rates of return, charges, and risks involved before they take the plunge.