{"id":7281,"date":"2022-06-07T08:33:39","date_gmt":"2022-06-07T07:33:39","guid":{"rendered":"https:\/\/meic.cymru\/2022\/06\/07\/do-you-have-money-hiding-in-a-child-trust-fund\/"},"modified":"2025-11-13T14:40:18","modified_gmt":"2025-11-13T14:40:18","slug":"arian-cuddio-cronfa-ymddiriedolaeth-plant","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2022\/06\/07\/arian-cuddio-cronfa-ymddiriedolaeth-plant\/","title":{"rendered":"Oes Gen Ti Arian Yn Cuddio Mewn Cronfa Ymddiriedolaeth Plant"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Arian am ddim? Mae&#8217;n rhaid mai sgam yw hyn! Nid yn aml wyt ti&#8217;n clywed am arian yn cael ei roi am ddim, ond mae hyn yn hollol wir! Efallai bod gen ti hyd at fil o bunnoedd yn eistedd mewn Cronfa Ymddiriedolaeth Plant yn disgwyl i ti ei hawlio.<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote has-text-align-center is-layout-flow wp-block-quote-is-layout-flow\">\n<p><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Beth ydy Cronfa Ymddiriedolaeth Plant?<\/h3>\n\n\n\n<p>Cyflwynwyd y Gronfa Ymddiriedolaeth Plant gan <a href=\"https:\/\/www.gov.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lywodraeth y DU<\/a> yn 2005. Agorwyd cyfrif i bron i 6 miliwn o blant wedi eu geni rhwng 1af Medi 2002 a 2il Ionawr 2011.<\/p>\n\n\n\n<p>Bwriad y Gronfa Ymddiriedolaeth Plant oedd i:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sicrhau bod gan bob plentyn arian wedi&#8217;i gynilo (saved) erbyn eu pen-blwydd yn 18 oed<\/li>\n\n\n\n<li>helpu i ddod i&#8217;r arfer \u00e2 chynilo<\/li>\n\n\n\n<li>dysgu buddiannau cynilo<\/li>\n\n\n\n<li>helpu deall cyllid personol<\/li>\n<\/ul>\n\n\n\n<p>Os nad oedd dy rieni\/gwarchodwyr wedi agor cyfrif i ti cyn i ti droi&#8217;n un oed, yna roedd y <a href=\"https:\/\/www.gov.uk\/government\/organisations\/hm-revenue-customs\" target=\"_blank\" rel=\"noreferrer noopener\">HMRC<\/a> (sydd yn gyfrifol am drethi, taliadau a thollau) yn gwneud ar dy ran.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/12.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/12-150x150.jpg\" alt=\"Vector - hand pulling o a note out of a fanned wad of green money notes for Child Trust Fund blog\" class=\"wp-image-5344\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Faint o arian oedd yn cael ei roi?<\/h3>\n\n\n\n<p>Roedd dwy daleb \u00a3250 yn cael ei roi i dy rieni\/gofalwyr i agor cyfrif Cronfa Ymddiriedolaeth Plant i ti. Roedd teuluoedd oedd yn hawlio <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/benefits\/benefits-if-you-have-children\/child-tax-credit\">Credyd Treth Plant<\/a> yn derbyn dwy daleb o leiaf \u00a3500. Rhoddodd <a href=\"https:\/\/llyw.cymru\/\" target=\"_blank\" rel=\"noreferrer noopener\">Llywodraeth Cymru<\/a> dalebau ychwanegol \u00a350 pan roeddet ti&#8217;n cychwyn yn yr ysgol gynradd, neu \u00a3100 i blant yn byw mewn cartrefi incwm isel. Roedd dy rieni\/gwarchodwyr yn gallu ychwanegu arian i&#8217;r cyfrif hefyd.<\/p>\n\n\n\n<p>Mae&#8217;r sefydliad sydd yn gofalu am dy gyfrif yn gyrru llythyrau neu gyfriflen bob blwyddyn i dy rieni i ddweud faint o arian sydd yn dy Gronfa Ymddiriedolaeth Plant.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6999256.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6999256-150x150.jpg\" alt=\"Vector - girl with black hair wearing yellow t-shirt and headband, shrugging with question mark above head for Child Trust Fund blog\" class=\"wp-image-5346\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Pam nad oeddwn i&#8217;n gwybod am hyn?<\/h3>\n\n\n\n<p>Mae llawer o rieni\/gofalwyr wedi anghofio am y cyfrifon yma. Efallai eich bod chi wedi symud t\u0177 ac wedi anghofio diweddaru&#8217;r cyfeiriad, neu efallai bod dy rieni wedi gwahanu, neu wedi marw.<\/p>\n\n\n\n<p>Mae llawer o resymau pan bod pobl yn colli trac ar bethau.<\/p>\n\n\n\n<p>Paid mynd i banig. Mae dy arian yn ddiogel &#8211; mae&#8217;n disgwyl i ti ei hawlio pan fyddi di&#8217;n troi&#8217;n 18.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/5209015.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/5209015-150x150.jpg\" alt=\"Vector - girl with short black hair with arms outstretched and money notes raining around her for Child Trust Fund blog\" class=\"wp-image-5343\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Sut ydw i&#8217;n hawlio&#8217;r arian?<\/h3>\n\n\n\n<p>Os yn bosib, y peth cyntaf sydd angen ei wneud ydy gofyn i dy rieni\/gofalwyr os oes ganddynt lythyrau neu gyfriflen. Bydd rhif ff\u00f4n arnynt i gychwyn y broses o gael dy arian.<\/p>\n\n\n\n<p>Ond paid mynd i banig os nad oes gen ti lythyrau neu gyfriflen. Mae ffordd arall!<\/p>\n\n\n\n<p>Mae posib dod o hyd i&#8217;r cyfrif gan ddefnyddio rhif Yswiriant Cenedlaethol (YC), mae pawb yn cael un yn agos at eu pen-blwydd yn 16. Pan fyddi di&#8217;n 16 fe gei di reolaeth o dy Gronfa Ymddiriedolaeth Plant cyn cael mynediad i&#8217;r arian yn 18 oed.<\/p>\n\n\n\n<p>Mae elusen <a href=\"https:\/\/findctf.sharefound.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Share Found<\/a> yn gallu helpu pobl ifanc i ddarganfod darparwr eu cyfrif. <a href=\"https:\/\/findctf.sharefound.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Clicia yma<\/a> i gychwyn y broses i wneud cais am dy arian. Mae&#8217;n broses hawdd, rwyt ti&#8217;n llenwi ffurflen ar-lein gydag enw, dyddiad geni, cyfeiriad, hen gyfeiriadau a rhif YC. Mae gan GOV.UK adnodd Darganfod Cronfa Ymddiriedolaeth Plant hefyd, <a href=\"https:\/\/www.gov.uk\/child-trust-funds\/find-a-child-trust-fund?\">ar gael yma<\/a>.<\/p>\n\n\n\n<p>Ar \u00f4l llenwi a chyflwyno&#8217;r ffurflen, bydd angen argraffu, arwyddo a&#8217;i yrru. Os nad yw sharefound yn gallu darganfod y cyfrif yn syth, yna bydd rhaid gofyn i HMRC am gymorth, a bydd angen y ffurflen yma i brofi dy fod di wedi gofyn am help ganddynt.<\/p>\n\n\n\n<p>Mae&#8217;n syml, ac yn debygol o gymryd llai nag 5 munud. Sicrha dy fod di&#8217;n hawlio&#8217;r hyn mae gen ti hawl ato.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Eisiau siarad?<\/h3>\n\n\n\n<p>Os wyt ti angen siarad y gyfrinachol am unrhyw beth sydd yn dy boeni, bod hynny\u2019n ymwneud ag arian neu unrhyw beth arall, yna mae&nbsp;<a href=\"https:\/\/www.meiccymru.org\/cym\/cael-help\/\" target=\"_blank\" rel=\"noreferrer noopener\">Meic<\/a>&nbsp;yma i wrando a chynnig cyngor bob dydd rhwng 8yb a hanner nos. Neges testun, Ff\u00f4n neu Sgwrs Ar-lein.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You could have up to a thousand pounds sitting in a Child Trust Fund account waiting to be claimed. Find out how.<\/p>\n","protected":false},"author":1,"featured_media":4056,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[543,1643],"tags":[2372,3945,3933,3944,2845,2846,2960],"class_list":["post-7281","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-child-trust-fund","category-cronfa-ymddiriedolaeth-plant","tag-arian","tag-arian-ar-goll","tag-child-trust-fund-cy","tag-cronfa-ymddiriedolaeth-plant","tag-cynilo","tag-cynilo-arian","tag-savings-cy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Oes Gen Ti Arian Yn Cuddio Mewn Cronfa Ymddiriedolaeth Plant - Meic<\/title>\n<meta name=\"description\" content=\"Efallai bod gen ti hyd at fil o bunnoedd yn eistedd mewn Cronfa Ymddiriedolaeth Plant yn disgwyl i ti ei hawlio. 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