Save over the long term for a child, with our Junior Bond

Invest in our childrens savings bond for at least 10 years and the child will receive a tax-free lump sum

For children aged 15 and younger

Invest for 10 to 25 years

Invest up to £25 each month or £270 each year

You can have a Junior Bond as well as Junior ISAs

A children's savings bond for a better future

Just think what a child could do with a cash lump sum on their 18th, 21st or 25th birthday. They might be able to use it to learn to drive and buy their first car, or to help them pay for the cost of further education. Our Junior Bond lets you invest regular amounts over a long period to help give a child those choices in the future.

A tax-efficient investment option

You can invest £25 per month or £270 per year, and if you keep it invested for at least 10 years, no tax will be due on the lump sum the child receives.

Our Junior Bond is a child’s Tax Exempt Savings Plan that invests in stocks and shares, which means you could see more growth than cash over the long term. When you invest there is risk that the value of your investment can go down as well as up.

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Why invest with OneFamily?

We make a difference

Since 2015 we’ve given over £4m to our customers, communities, charities and good causes across the UK

Great customer service

92% of customers who contact our UK-based call centre are happy with the service they received

Experienced and trusted

We’ve over 40 years’ experience in helping families make the most of their money

We help 1 in 12 families in the UK

We look after over £7 billion for more than 2 million customers in the UK

Choose your investment option

We’ve got two simple investment options to choose from offering different risk profiles. The fund option with a smaller proportion of equities carry less risk, but with less potential for growth over the long term.

Choose the option which works for you.

Before you invest, it’s important to remember:

    • Our Junior Bond invests in stocks & shares so its value can go down as well as up meaning the child could get back less than has been paid in
    • The Junior Bond must be invested for at least 10 years in order to be tax-free. If the money is withdrawn before this it may be taxable and a withdrawal charge will apply.
    • If you don't continue to make the agreed payments for 10 years any growth on your investments is taxable.
    • There’s an annual £3,600 per child limit you can pay into ‘qualifying policies’ like the Junior Bond – you’ll need to make sure you can make these payments without going over the limit.
    • There’s an initial set up charge of £60 which will be taken from the first year’s payments, and an annual management charge of 1.5% of the fund value.

To find out more about our Junior Bond, please read our Important Information Booklet

Family Sovereign Fund

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  • Invests in UK and overseas shares for long term growth
  • Also invests in fixed interest investments, property and cash to diversify the profile and lower risk
  • Invests in household names including AstraZeneca

What else should I know?

The Family Sovereign Fund aims to achieve long-term growth, while spreading risks across a wide range of investments.


If you prefer, we can post you our full application pack, for you to read and share with your family members. Request a pack

You can also apply over the phone. Call us free on: 0808 196 2625*

*We'll be here from 9am to 5.30pm Monday to Friday. We might record your call to help improve our training and for security purposes. We hope you don't mind. Calls to 0800 numbers are normally free from UK landlines and mobile phones.

Family Charities Ethical Exempt Fund

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  • Invests over 98% of your money into stocks and shares of companies in the UK
  • Mainly invests in the shares of companies that make up the FTSE4Good UK 50 Index
  • Invests into household names including AstraZeneca, GlaxoSmithKline and Unilever

What else should I know?

As this fund follows an Index which has ethical criteria we cannot invest in certain sectors and companies, meaning the fund carries greater risk than a fund which has no such restrictions.


If you prefer, we can post you our full application pack, for you to read and share with your family members. Request a pack

You can also apply over the phone. Call us free on: 0808 196 2625*

*We'll be here from 9am to 5.30pm Monday to Friday. We might record your call to help improve our training and for security purposes. We hope you don't mind. Calls to 0800 numbers are normally free from UK landlines and mobile phones.

All rights in the FTSE4Good UK 50 Index (the “Index”) vest in FTSE International Limited (“FTSE”). “FTSE®” is a trade mark of the London Stock Exchange Group companies and is used by FTSE under licence.

The Family Charities Ethical Exempt Fund has been developed solely by Family Assurance Friendly Society Limited. The Index is calculated by FTSE or its agent. FTSE and its licensors are not connected to and do not sponsor, advise, recommend, endorse or promote the Family Charities Ethical Exempt Fund and do not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of the Family Charities Ethical Exempt Fund. FTSE makes no claim, prediction, warranty or representation either as to the results to be obtained from the Family Charities Ethical Exempt Fund or the suitability of the Index for the purpose to which it is being put by Family Assurance Friendly Society Limited.