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KCT FAQ

KCT FAQs

Here are some of frequently asked questions on CAPIS' Kids Capital Trust (KCT). If you still have areas regarding any of our services you would like clarification, feel free to push the "Ask Question" button to send us a message.

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What is the Kids Capital Trust (KCT)?

The CAPIS Kids Capital Trust (KCT) is a capital trust and advisory support service designed to help parents, guardians, and sponsors build long-term financial security for children.It combines disciplined capital growth, optional health insurance, and lifetime investment advisory services to give beneficiaries a strong start into adulthood.

KCT is for children within the following age brackets:

  • Basic, Classic, and Platinum Plans – Ages 0 to 8 years (fixed-fee, no top-ups).
  • Dynamic and Ultimate Plans – Ages 0 to 12 years (allow periodic top-ups).
Plan Age Range Top-Ups Plan Type
Basic 0 – 8 years ❌ No Fixed fee
Classic 0 – 8 years ❌ No Fixed fee
Platinum 0 – 8 years ❌ No Fixed fee
Dynamic 0 – 12 years ✅ Yes Flexible top-up
Ultimate 0 – 12 years ✅ Yes Flexible top-up
Yes. The KCT service allows plan migration from Basic → Classic → Platinum.Migration may improve the final maturity value.
  1. Enrollment – Choose a plan based on your child’s age and preferred payment structure.
  2. Investment – Funds are primarily invested through the Capital Trust Fund in secure, fixed-income securities and real sector subsidiary investments within our corporate group.
  3. Growth – The capital grows until the beneficiary’s 21st birthday.
  4. Control – At age 18, the beneficiary can assume account management using their unique 10-digit KCT account number.
  5. Payout – The final maturity value is paid at age 21.
  6. dvisory Service – Adult KCT clients enjoy free lifetime investment and financial advisory support.

The Capital Trust Fund is the dedicated investment pool for all KCT plans.Funding comes from:

  • 60% of the 80% investable capital from KCT enrollment fees.
  • 25% of CAPIS’ net income from corporate group investments and projects.Funds are invested with a focus on capital safety and steady returns.

Yes — optional health insurance coverage is available:

  • Starts 36 months after opening the KCT account.
  • Continues until the beneficiary’s 21st birthday.
  • Comes at no out-of-pocket cost.
  • May slightly reduce the final KCT maturity value if activated.
Yes. Use the KCT Final Value Calculator on the CAPIS website to estimate the maturity value based on your chosen plan and the age of the child at the time of registration.
  • High Annual Growth Rate – Yields higher returns than typical fixed income securities.
  • Predictable Capital Growth – Especially for fixed-fee plans.
  • Flexible Top-Up Options – Available in Dynamic and Ultimate plans.
  • Optional Health Insurance – No out-of-pocket cost until age 21.
  • Early Account Control – Beneficiary can manage the account from age 18.
  • Lifetime Advisory – Free lifetime investment and financial advisory services for beneficiaries
  • Security – Funds backed by low-risk, fixed-income investments.
Only Dynamic and Ultimate plans allow periodic top-ups.Basic, Classic, and Platinum are fixed-fee plans and do not accept top-ups.
All funds are invested in low-risk fixed-income securities, managed under CAPIS’ strict capital preservation policy, with regular audited reports for transparency.

You can open a KCT account via:

  • Website: capisgroup.com
  • Email: support@capisgroup.com
  • In-Person: Visit any CAPIS service office.