{"id":8437,"date":"2020-08-25T13:24:07","date_gmt":"2020-08-25T12:24:07","guid":{"rendered":"https:\/\/meic.cymru\/2020\/08\/25\/do-you-have-money-in-a-child-trust-fund\/"},"modified":"2025-12-10T17:00:35","modified_gmt":"2025-12-10T17:00:35","slug":"oes-gen-ti-arian-mewn-cronfa-ymddiriedolaeth-plant","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2020\/08\/25\/oes-gen-ti-arian-mewn-cronfa-ymddiriedolaeth-plant\/","title":{"rendered":"Oes Gen Ti Arian Mewn Cronfa Ymddiriedolaeth Plant?"},"content":{"rendered":"\n

Wyt ti wedi cael dy eni rhwng 1 Medi 2002 a 2 Ionawr 2011? Mae posib bod gen ti Gronfa Ymddiriedolaet<\/a>h Plan<\/a>t<\/a> yn dy enw gydag arian sydd yn berchen i ti. Mae gen ti hawl i gael mynediad i’r arian yma unwaith i ti droi’n 18 oed.<\/h3>\n\n\n\n

Mae pob plentyn gafodd ei eni yn y cyfnod uchod, gyda rhiant neu ofalwyr oedd yn derbyn budd-daliadau plant, wedi derbyn taleb am \u00a3250 (neu \u00a3500 i rai ar incwm isel) gan HMRC<\/a> i roi mewn Cro<\/a>nfa <\/a>Ymddiriedolaeth Plant<\/a> di-dreth. Os na chafodd cyfrif ei agor i ti, yna mae posib bod CThEM wedi agor un ar dy ran. Bydd cyfrif wedi cael ei greu os oeddet ti mewn gofal hefyd. Bwriad y gronfa yma oedd annog pobl i gynilo fel bod gan bawb gyfrif cynilo wrth gyrraedd oedolaeth.<\/p>\n\n\n\n

Pan fyddi di’n troi’n 16 rwyt ti’n cael cyfrifoldeb cyfreithiol dros dy Gronfa Ymddiriedolaeth Plant ac yn gallu gwneud penderfyniadau am yr hyn sydd yn digwydd iddo. Pan fyddi di’n 18 oed mae gen ti hawl i dynnu’r arian yma allan.<\/p>\n\n\n\n

\"Boy<\/figure>\n\n\n\n

Pa benderfyniadau fedri di wneud yn 16 oed?<\/h3>\n\n\n\n

Unwaith i ti droi’n 16 oed rwyt ti’n cael cymryd cyfrifoldeb am dy Gronfa Ymddiriedolaeth Plant yn gyfreithiol. Er nad allet ti dynnu’r arian allan eto, rwyt ti’n cael gwneud penderfyniadau am yr hyn sydd yn digwydd iddo. Efallai hoffet ti newid i fanc gwahanol neu newid i ISA Iau,<\/a> fydd efallai yn gallu cynnig gwerth gwell.<\/p>\n\n\n\n

Pa benderfyniadau fedri di wneud  yn 18 oed?<\/h3>\n\n\n\n

Unwaith i ti droi’n 18 oed rwyt ti’n cael rheolaeth lawn o’r hyn sydd yn digwydd gyda dy arian. Fe gei di dynnu’r arian allan neu gallet ti benderfynu ei gadw a chynilo mwy gan ei symud i ISA oedolion. Os wyt ti’n dal i gynilo gall hwn gynyddu i fod yn swm da. Gallet ti ei gadw am argyfwng neu bryniant mawr yn y dyfodol, fel car neu flaendal am fflat neu d\u0177.<\/p>\n\n\n\n

Cer draw i wefan Gwasanaeth Cynghori Ariannol am gyngor: Gair o gyngor ar gyfer dewis cyfrif cynilo<\/a>. Mae ganddynt wybodaeth wych hefyd ar pam bod dod i’r arfer o g<\/a>ynilo<\/a> yn syniad da. Mae’r Gwasanaeth Cynghori Ariannol yn cynnig cyngor am ddim a diduedd. Mae posib siarad \u00e2 nhw ar y we<\/a> rhwng 8yb a 6yh Llun i Gwener a 8yb tan 3yp ar ddydd Sadwrn, neu ar y ff\u00f4n ar 0800 138 0555 rhwng 8yb a 6yh Llun i Gwener (Typetalk: 18001 0800 915 4622).<\/p>\n\n\n\n

\"Image<\/figure>\n\n\n\n

Sut ydw i’n dod o hyd i’m Cronfa Ymddiriedolaeth Plant?<\/h3>\n\n\n\n

Gofynna i dy riant neu ofalwr os yw’r manylion ganddynt. Yna gallet ti gysylltu \u00e2’r darparwr i weld faint o arian sydd yn y cyfrif. Os nad ydynt yn gallu dod o hyd i’r manylion yna gallet ti lenwi ffurflen ar wef<\/a>an HMRC<\/a> i ddarganfod darparwr y cyfrif. Bydd angen rhif Yswiriant Gwladol (YG) i lenwi’r ffurflen. Os nad wyt ti’n gallu dargan<\/a>fod dy rif YG <\/a>yna cysy<\/a>llta \u00e2’<\/a>r llinell gymorth rhifau Yswiriant Gwladol<\/a> trwy sgwrs gwe neu ar y ff\u00f4n. Bydd angen creu ID ‘Government Gateway’ i chwilio am dy gyfrif.<\/p>\n\n\n\n

Os wyt ti eisiau gwybodaeth bellach am hyn, cysyllta \u00e2 Gwasanaeth Cynghori Ariannol ar y manylion cyswllt uchod, neu siarada \u00e2 ni ar linell gymorth Meic. Gallem dy roi ar y llwybr cywir wrth gynnig gwybodaeth, cyngor ac eiriolaeth (i helpu ti i siarad gyda phobl\/gwasanaethau eraill).<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Wyt ti wedi cael dy eni rhwng 1 Medi 2002 a 2 Ionawr 2011? Mae posib bod gen ti Gronfa Ymddiriedolaeth Plant yn dy enw gydag arian sydd yn berchen i ti. Mae gen ti hawl i gael mynediad i’r arian yma unwaith i ti droi’n 18 oed. Mae pob plentyn gafodd ei eni yn […]<\/p>\n","protected":false},"author":1,"featured_media":3624,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1643,1625],"tags":[2372,3944,4735,4737,4738,2845,4736,2854],"class_list":["post-8437","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cronfa-ymddiriedolaeth-plant","category-cyllidebu-a-chynilo-arian","tag-arian","tag-cronfa-ymddiriedolaeth-plant","tag-ctf-cy","tag-cyfrif","tag-cynilion","tag-cynilo","tag-isa-cy","tag-safio"],"acf":[],"yoast_head":"\nOes Gen Ti Arian Mewn Cronfa Ymddiriedolaeth Plant? - Meic<\/title>\n<meta name=\"description\" content=\"Os cefais dy eni rhwng 1 Medi 2002 a 2 Ionawr 2011 mae posib bod gen ti arian mewn Cronfa Ymddiriedolaeth Plant . 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