Child Savings Bonds
The Child Bond from Scottish Friendly allows you to save for your child's future for 10 years or more without having to pay income tax or capital gains tax on your savings.
You can save anything between £10 and £25 a month or if you prefer you can make a lump sum payment of up to £2,340 for a 10 year period which would actually invest a total of £2,700 into your Child Bond.
Scottish Friendly's Child Bond gives you the piece of mind of knowing you'll have a guaranteed minimum cash sum at the end of the payment term.
Your bond might well grow from your original investment but in these uncertain times it's comforting to know it will never drop below the guaranteed amount. Read more...
- Save £10-£25 a month
- Money grows free of income tax and capital gains tax
- Child gets a guaranteed minimum cash sum at end
- Anyone can invest in a child, it's not just for parents
- Life cover included

Child Trust Funds
Choose from one of three Child Trust Funds available from The Children's Mutual and save up to £1,200 a year towards your child's future - free from tax and with additional government contributions.
The Child Trust Fund or CTF was initiated by the government to give children a big financial boost when they turn reach the age of eighteen.
The parents of every newborn child in the UK currently receive a voucher for £250 from the government for use in starting up a Child Trust Fund (CTF) account.
Any children in families receiving full Child Tax Credit will get an extra £250 once the trust fund has been opened. The Children's Mutual Child Trust Funds are an excellent and safe way of introducing your child to saving and responsibly looking after their money. Read more ...
- Save up to £1,200 a year
- £250 government payment to kick-start your fund with further payments to follow
- Money grows free of income tax and capital gains tax
- Guaranteed minimum cash sum at end of payment term
- Anyone can invest in a child trust fund for a chosen child

Scottish Savings Bonds
The Scottish Bond from Scottish Friendly allows you to get the full benefit of the £25 a month the Government currently allows you to invest with a friendly society without paying any tax on its returns.
So how much can you save? Well there's three monthly contribution amounts of £15, £20 or £25 to choose from or yearly amounts of £180, £225 or £270.
The Scottish Friendly Bond gives you the assurance of knowing you'll have a guaranteed minimum cash sum at the end of your payment term. A welcome security blanket in these unpredictable times.
So while what you get back at the end of your term may grow from your original investment it's good to know it will never fall below the guaranteed amount if the hoped for growth isn't forthcoming. Read more...



