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Q My daughter has inherited Treasury stocks worth more then Pounds 22,000. She is 18, but not wise about money. Is there any way to tie this up so she can't sell until she is 21? Peter, Birkenhead, Merseyside.

A Danny Cox, head of financial planning strategy at independent financial adviser Hargreaves Lansdown, replies: Your daughter is not a minor and therefore has absolute entitlement to this stock. This means she can sell if she wants to.

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