There is almost £2bn saved up in Child Trust Fund accounts for 4.6 million children.
The latest figures, out this week, show that parents and relatives have saved an average of £289 a year into each account.
But the Liberal Democrats say the scheme should be scrapped, so that the £500m a year it will soon cost, can be spent on reducing class sizes in schools.
The Conservatives would cut the scheme, limiting it to the one in three children who live in households with an income below about £16,000 a year.
We asked David White, chief executive of the Children's Mutual if there is a future for Child Trust Funds?