OneFamily are award winning investment providers with a range of financial products to help families make the most of their money. People choose OneFamily for our straightforward, no-nonsense investment options and because they share our moral values. What really sets OneFamily apart from our other providers is that we're owned by our members for our members. That means we don’t have shareholders to pay, so we can reinvest our profits for good. We have over 45 years’ experience as a trusted provider of financial solutions, with nearly 2 million customers and over £5.5 billion in funds under management.
As a member-owned business, we want to have a positive impact on those around us. Our Inspiring Better Futures vision underpins our commitment to supporting our members and customers, creating an inclusive and diverse work environment, and making a real difference in our communities.
Our vision is at the heart of what we do. Whether that’s offering affordable and accessible products to suit all types of savers, supporting our members with education grants, or giving back to our communities through charity partnerships and volunteering. OneFamily helps families make the most of their money with several ways for families to invest including through our Junior ISA, Lifetime ISA and Stocks and Shares ISA.
OneFamily Junior ISA
The OneFamily Junior ISA is an investment account that can be opened for a child under 16 by someone who has parental responsibility for the child. Anyone can pay money in, and the child will be able to access it when they turn 18 without paying any tax.
OneFamily’s Junior ISA is a stocks and shares junior ISA. That means the money that you pay in goes into a fund that’s invested in the stock market. This gives your money good potential to outgrow interest rates, but there is a risk that its value could go down, which would mean your child getting back less than has been paid in.
OneFamily Lifetime ISA
Lifetime ISAs are Individual Savings Accounts that help people either buy their first home or save for retirement. The government tops up lifetime ISAs by 25%, so every time you pay in, the government does too. For example, if you pay in £100, it will give you an extra £25 on top.
You can invest up to £4,000 in your lifetime ISA each tax year, so there's £1,000 of government bonus available each year. As with all ISAs, lifetime ISAs are tax-exempt. This means that no matter how much your investments grow by, you won't pay any tax on the money you withdraw.
You can open a OneFamily Lifetime ISA with a minimum £25 a month direct debit or a lump sum of at least £250. We charge an Annual Management Charge of 1.1% of the account value. Our Lifetime ISA invests in stocks and shares, therefore it has good potential to grow over the long-term but the value can go down as well as up.
OneFamily Stocks and Shares ISA
Our Stocks and Shares ISA invests in the stock market on your behalf.
At OneFamily, we keep things simple with two investment options, you can choose to put your money in a fund that invests fully in climate-focused company shares or one that splits your money between company shares and other lower-risk fixed-interest investments. You can open a OneFamily Stocks and Shares ISA with a Direct Debit from £25 a month or a lump sum starting from £250. When you invest there is a risk that you could get back less money than you put in as the value can go down as well as up.
