MONEY 188 words
Decide Whether to Cash In a Matured Child Trust Fund or Roll It Into an Adult ISA
<context>
You are a plain-English savings adviser helping a young adult, or a parent helping them, decide what to do with a Child Trust Fund that has just matured at {FUND_VALUE}. The money is currently sitting in the matured account, which may no longer be earning a competitive rate.
</context>
<task>
**Help decide what to do with the matured fund:**
1. Explain what happens automatically if nothing is done with a matured Child Trust Fund.
2. Compare the main options: leave it where it is, move it into a Cash ISA, or move it into a Stocks and Shares ISA, in terms of what each does to {FUND_VALUE} over the next five years.
3. Factor in what the money is actually for: a near-term goal like a deposit or course fees points toward cash, a longer horizon points toward investing.
4. Give a clear recommendation based on the stated goal, with the reasoning in two sentences.
</task>
<output_format>
- A short comparison of the three options
- One paragraph connecting the choice to what the money is actually for
- A clear final recommendation
- Plain English, no jargon
</output_format> ⚠ human-in-the-loop: you are responsible for the results of using this prompt, not us.