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.
What is a Junior Bond?
Our Junior Bond is a child's Tax Exempt Savings Plan (TESP) that invests in stocks and shares, which means you could see more growth 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.
How do savings bonds work?


Why invest with OneFamily?
*As at December 2021
***Customer research carried out October through December 2021
Choose your child savings bond 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.
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 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 who focus on operating in a more sustainable way and ensure good supply-chain labour standards.
- Avg. yearly
growth* - Fund
size - UK
investments
Risk rating
Lower Higher*Performance 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
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.
Frequently asked questions about children's savings bonds
If you’re 18 or over you can open a Junior Bond for any child aged 15 and under.
Simply select which of the two investment products you would like to apply for and we will set you up with an account. You can then make payments of between £15 and £25 a month, or between £65 and £270 a year by regular Direct Debit.

Our guides to children's savings
Get all the information you need to feel fully informed when investing in your child’s future.
Children's Savings Guide
Making good financial decisions now can lead to a wonderful gift for their future
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.