Hi Pencil Stache,
thanks for the reply. She's got a junior ISA (in my name at the moment) with a few hundred £ in it. I've been trying to get my head around the workplace pensions and it looks like employers don't have to offer them until 22years of age. Perhaps i'm wrong about this though. I would like to her start building her stash now rather than wait that long. I'll check out the lifetime ISA, the 25% Gov top up is interesting.