Win a MacBook Air with OneFamily's Junior Bond!
Simply open a OneFamily Junior Bond (or any new OneFamily investment product) before 31 May 2024 to be automatically entered into our prize draw.
Terms and conditions apply. Capital at risk.
Help a child create the future they want
With our Junior Bond, you choose how long you'd like to invest for – anywhere between 10 and 25 years – so it's up to you how old the child needs to be before they can access it.
You could make it an 18th birthday present or you might decide you'd prefer them to be a bit older before they get their hands on the money.
As you don't have to be the child's parent to open a Junior Bond for them, it's a great way for other relatives to put some money aside as a gift.
You can make payments work within your budget by choosing to pay between £15 and £25 a month or between £165 and £270 a year.
Member Benefits
By taking out our Junior Bond you will get access to discounts on groceries, shopping, cinema, days out and much more
What you need to know about Junior Bonds
Our Junior Bond is a child's Tax Exempt Savings Plan (TESP). It's a simple way of regularly investing small amounts of money over the long term on behalf of a child. Unlike junior ISAs, you decide the age the child needs to be when they access it.
You can choose to invest either
- monthly, with payments from £15 to £25
- yearly, with payments from £165 to £270.
As long as you keep up payments and keep the money invested for at least 10 years, there won’t be any tax to pay on the proceeds.
Our Junior Bond invests in stocks and shares, which gives it good potential to grow more than cash over the long-term. When you invest there is a risk that the value of your investment can go down as well as up.
An initial set up charge of £60 will be taken from the first year's payments. We also apply an annual management charge of 1.5% of the fund value. For more information, please see the important information document.
Why invest in a OneFamily Junior Bond?
*Source: Bright survey, January 2023
**As at December 2022
*** New Junior Bond policy holders will receive an email inviting them to register for their
member benefits after their 30 day cancellation period is complete.
How to open a Junior Bond
Two simple fund options
- Our two investment options offer different risk profiles. The fund option with a smaller proportion of equities (Family Sovereign Fund) carries less risk, but has less potential for growth over the long-term.
- Both funds invest in stocks and shares which means there's good potential for your money to grow over the long-term but, as with all investing, there is a risk its value could go down and you could get back less than you've paid in.
- An initial set up charge of £60 will be taken from the first year's payments. We also apply an annual management charge of 1.5% of the fund value. For more information, please see the important information document.
Family Sovereign Fund
A balanced mix of assets for modest growth with better protection from losses
This fund invests your money into fixed interest bonds, property, company shares and cash to help reduce your risk of loss and see moderate growth over the long-term.
- Avg. yearly
growth*
- Fund
size
- Global
investments
Risk rating
Lower Higher*Performance is over 5 years and includes all charges payable. Please remember that past performance should not be seen as an indication of future performance.
You can find out more about this fund in our Key Information Document and Fund Factsheet
Family Charities Ethical Exempt Fund
UK investments chosen for their environmental sustainability and ethical standards
Invest your money into companies in the UK that are working towards operating more sustainably.
- Avg. yearly
growth*
- Fund
size
- UK
investments
Risk rating
Lower Higher*Performance is over 5 years and includes all charges payable. Please remember that past performance should not be seen as an indication of future performance.
You can find out more about this fund in our Key Information Document and Fund Factsheet
Other ways to apply for a Junior Bond
If you'd like more info request our pack here
You can also apply over the phone. Call us on: 01273 062555*
*Our Customer Call Centre is UK based and open from 9am-5:30pm weekdays. Calls may be recorded and monitored for training purposes. Call charges apply. These are dependent on your provider’s tariff and are likely to be more from mobile phones. For more information, please contact your provider. With business mobiles the cost will depend on your phone provider. If you’d like to know more, please ask your provider.
Our guides to saving on behalf of children
Get all the information you need to feel fully informed when investing in your child’s future.
Children's savings guide
Our comprehensive guide covers the main ways you can save for your child's future, how each option works and what you need to know.
Should children get pocket money?
Don't just meet your child's financial demands – teach them financial responsibility by having them manage their own budget.
How to make a financial plan for your family
Every parent wants the best for their kids. If you want to make their dreams a reality it's time for a financial plan.
How to educate your children on the cost-of-living
We all want our kids to be ready to deal with the costs of flying the nest. The question is, how can we help prepare them?
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.