Healy says: "For any child, it's never too early to start saving, so William and Kate should be aware of the options on the market as they plan for the little prince's future.
"Whether they intend to use the money for university or to contribute towards their first home, William and Kate would be best maximising their own personal ISAs, which combined would give them £23,040, plus interest per year. In 18 years' time that nominally would be worth £414,720, even before we take in to account compound interest and ISA rate increases. The royal baby could well be sitting on a pot near half a million pounds.
"Through wise parental planning and tax-free savings, Baby Windsor will well be on their way to owning his own palace. But only if they start saving now."
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