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Junior Savings

Junior Savings

This product is being upgraded and is temporarily unavailable.

The Junior Savings plan is perfect for building a sum of money for your children or grandchildren to give them the best possible start in life. Money, for example, that can fund their education, pay for a wedding, a deposit on a house or anything they wish for when they grow up.

Banner Junior Savings

The Junior Savings is a regular savings plan which gives you the flexibility to choose how much you want to save and for how long. Premiums start from as little as €40 per month and you can add one off capital injections to boost the value of your savings.

In addition to savings, the policy also includes:

  • Free life cover of €3,500 on the life insured
  • Free Critical Illness benefit of €15,000 on the life of the child

Savings choices

What type of saver are you? Are you prepared to take more risk for a potentially higher return or are you after a less risk but a more steady return?

We categorise our funds into three types: Cautious, Balanced and Growth.

The Cautious fund options offer lower risk and potentially lower reward whereas the Growth fund options offer higher risk and potentially higher reward. The Balanced fund sits between the Cautious and Growth funds in terms of risk and potential reward.

Unit Linked Funds

The information included below is valid for policies purchased between January 2018 and June 2019.

The Unit Linked Funds invest in risk graded funds managed by professional investment managers.

Each risk grading has its own risk and reward profile offering a wide range of choices. You can switch between the Unit Linked Funds anytime throughout the policy period.

Each fund holds a different range and type of assets and the value of the fund can fluctuate on a daily basis. A fund with a higher risk profile is more likely to have frequent and larger fluctuations.

Our Funds:

CautiousBalancedGrowth

BGF Euro Corporate
Bond Fund

IOD
Key Information Document
Factsheet

Invesco Balanced-Risk
Select Fund

IOD
Key Information Document
Factsheet

BGF Global Equity
Income Fund

IOD
Key Information Document
Factsheet

Vilhena Malta
Bond Fund

IOD
Key Information Document
Factsheet

 

Invesco Pan European Equity
Income Fund

IOD
Key Information Document
Factsheet


Fund performance is not guaranteed and fund values can rise as well as fall. Based on the performance of the fund you may not get back the sum you have invested. Past performance of the funds is not necessarily a guide to future performance. 

For more information refer to the Junior Savings Unit Linked Key Information Document.

Casa Borgo, 26, Market Street, Floriana FRN 1082, Malta

Tel: (+356) 2557 9000

Freephone: 8007 2322

        

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E-mail info@citadelplc.com  
Branches: Il-Mosta, In-Naxxar, Paola, Haz-Zebbug, San Gwann, Iz-Zejtun, Il-Mellieha, Victoria - Gozo




Citadel Insurance p.l.c. (Company registration number: C21550), is a company authorised under the Insurance Business Act, Cap. 403, to carry on general and long term business of insurance and is regulated by the MFSA. This website is targeted for risks situated in Malta.