Knowing your money is in the right place

One in 12 families trust us to look after their money and help them plan for their future. We want you to feel confident that we are investing your money in the right place.

Why invest in stocks and shares?

  • History shows that the stock market has been a good choice for longer-term investors, like Junior ISA customers investing for their child’s future.
  • Historically stocks and shares investments have consistently performed better than cash. In fact, the stock market has out-performed cash investments in 99 out of 100 18-year periods since 1905*.
  • Cash investments can offer lower risk, as your money grows at an agreed amount of interest and is protected. If, however, the interest paid doesn’t outperform inflation, the money you invested would be worth less now than when you paid it in.


How the OneFamily Stocks and Shares Ethical Junior ISA has performed over the last five years

Over the last five years the Family Charities Ethical Trust, that your child’s money is invested in, has grown over 46% at an average yearly growth rate of just under 8%.

The chart below shows what this would mean on 30th June 2017 if you had invested £1,000 on 30th June 2012.

Graph showing 7.92% average yearly growth from 2012 to 2017

Year on year growth rate of Ethical Junior ISA over the past 5 years:

 Year Jun 12 - Jun 13 Jun 13 - Jun 14 Jun 14 - Jun 15 Jun 15 - Jun 16 Jun 16 - Jun 17
Family Charities Ethical Trust 16.3% 9.7% -0.2% -2.8% 18.2%

Remember, past performance isn’t an indication of future growth and the value could go down as well as up and the final value may be less than what has been paid in. If you're not sure whether a product is right for your needs, you should always take advice from an independent financial adviser.

*Data from: Barclays Equity Gilt Study 2017