Investing for a child's future

NFU Mutual has a range of savings and investments that can be used to give your children or grandchildren a flying start in life. The way you save and the type of plan you choose will depend on many factors including how much you wish to save, how long until the money is needed, and whether you have a cash lump sum or will be saving out of your income. Here is a brief overview of some of NFU Mutual's saving and investment options:

Flexibond

The NFU Mutual Flexibond is an affordable and flexible savings plan:

	Choose the way you save - you can make regular payments of as little as £25 a month and/or lump sum contributions of £1,000 or more. You can also stop, re-start, increase and decrease payments whenever you choose.
	Choose a fund to fit with your investment objectives and attitude towards risk.

The Flexibond is a medium to long-term investment, to be held for at least 5 years or more. Its value can go down as well as up so you might not get back the amount invested.

Find out more about the Flexibond.

NFU Mutual ISAs

You can invest up to £10,200 this tax year into an ISA if you have not already done so. In an ISA fund, your money has the potential to grow in a tax-efficient environment. Although an ISA cannot be put into trust, you can still use the proceeds however you choose, and can therefore put them aside for the benefit of a child. You can contribute from £25 a month into an NFU Mutual ISA and can choose from eight available funds in the NFU Mutual Stocks and Shares ISA , or you can invest in the Shrewd Savings Plan ISA which is a with-profit ISA investment. NFU Mutual's ISAs are medium to long-term investments. Their value can go down as well as up so there is a possibility that you might not get back the amount invested.

The value of tax benefits depends upon individual circumstances and may be subject to change in the future.

Portfolio Investment Plan

The Portfolio Investment Plan is an OEIC investment (Open Ended Investment Company). This means that instead of investing as an individual, your money is pooled together with that of other investors, spreading the risk of stock market investment. Your investment buys shares in one or more of the range of funds within the OEIC at their current price. You can invest from as little as £25 a month or £1000 lump sum, and have the option to invest on behalf of a child.The Portfolio Investment Plan is a medium to long-term investment, to be held for at least 5 years or more. Its value can go down as well as up so there is a possibility that you might not get back the amount invested.

Find out more about the Portfolio Investment Plan.

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