Savings for a Child's Future

Opportunity with extra protection to save for your child’s future

Make monthly contributions until your child grows up.
Your contributions are guaranteed after the accumulation period ends.
Includes life insurance for you and anti-bullying services for your family.
Investments are managed by experts on your behalf.
Automatic calculation and deduction of tax on profit.

Minimum contract period should be 10 years.

You can always contribute with separate single payments, e. g. by transferring some savings into College fund+ at the start of the agreement.

Remove single payment

You can always contribute with separate single payments, e. g. by transferring some savings into College fund+ at the start of the agreement.

€

Check your predicted investment return calculation by clicking on each of the different market scenarios
All values generated by this calculator are not guaranteed and only serve as an illustrative example generated based on the values entered into the calculator. We would like to draw your attention to the fact that the value of the contract's underlying assets may increase or decrease during the contract lifetime and also the value of the reserve may accordingly increase or decrease in line with the value of the contract's underlying assets.

The calculator uses indicators and calculating logic (planned amount of insurance payment, length of collection period, expected yield and its scenarios) that differ significantly from the requirements set for main information of combined retail and insurance-based investment products. In making a choice regarding an insurance product please review the results of the forecasts set out in the yield scenario table under ‘What are the risks and what could I get in return?’ in the Key Information document.

Positive scenario

This scenario reflects moderately positive possible investment performance based on the historical returns of the underlying investments. It is expressed in terms of annual average returns, assuming a 10-year holding period. The return used in this scenario is from the higher end of the range of possible annual average returns (90th percentile).

Calculations are based on historical data on the returns and volatility of market indices, adjusted for the expense ratios of the investment funds in the portfolio. The historical data covers the period from 01.01.2016 to 31.12.2025.

The scenario assumes the following returns:

Global equities: +14.5%
Medium-term bonds: +2.7%
Short-term bonds: +0.7%

Past performance is not a guarantee of future returns, the value of investments may rise or fall in the future. Please note that the shorter the holding period, the higher the probability of significant declines, and vice versa.

Moderate scenario

This scenario reflects the case of average possible investment performance based on the historical returns of the underlying investment. It is expressed in terms of annual average returns, assuming a 10- year holding period. The return used in this scenario is at the median of the spectrum of possible annual average returns (50th percentile).

The scenario assumes the following returns:

Global equities: +8.4%
Medium-term bonds: +0.6%
Short-term bonds: +0.2%

Past performance is however not a guarantee for future returns, the investments value may rise or fall in the future. Please note, that the shorter is the holding period of investments, the higher is the probability of steep falls, and vice versa.

Negative scenario

This scenario reflects the case of moderately negative possible investment performance based on the historical returns of the underlying investment. It is expressed in terms of annual average returns, assuming a 10-year holding period. The return used in this scenario is from the lower end of the spectrum of possible annual average returns (10th percentile).

The scenario assumes the following returns:

Global equities: +2,8%
Medium-term bonds: -1,5%
Short-term bonds: -0,3%

Predicted pay-out Predicted amount that would be paid-out to you at the end of the contract. It is shown already net of contract fees.
0€
Sum of monthly payments Estimated total sum of monthly payments to be paid into the agreement during its term.
0€
Predicted guaranteed amount Guaranteed amount becomes important should investment yield be negative by the contract maturity. This gives the protection that the pay-out at contract maturity will not be lower than the guaranteed amount, regardless of how investments perform. The guaranteed amount at contract maturity is equal to total amount of payments paid into contract minus contract fees. If the contract is cancelled prior to maturity, the guaranteed amount is no longer applicable.
0€

Schedule of payment and fees

All values generated by this calculator are not guaranteed and only serve as an illustrative example generated based on the values entered into the calculator. Savings for a Child’s Future is a unit-linked life insurance service which means that the savings reserve depends on the value of its underlying assets, which in turn can either increase or decrease over time.
In case if the return on investment is negative upon expiry of the agreement, you will receive the guaranteed amount, i.e. the sum of your payments less the agreement fee. Prior to entry into the contract, please examine the key information document, the terms and conditions of the contract and the price list at the homepage www.swedbank.ee. The service provider is Swedbank Life Insurance SE and the insurance intermediary service is provided by the insurance agent Swedbank AS.

Positive scenario

Contract year	Total amount of payments	Life insurance risk fee Risk fee is the fee for insurance protection - insurer's promise to proceed saving instead of you, in case of your death. It depends directly on agreed monthly premium amount which is calculated according to price list.	Other fees Management fee is used for management of your contract's life cycle investment portfolio and guarantee fee to protect your contract against negative investment results. It is calculated according to price list.	Estimated amount of savings The estimated (prognosed) value of savings at the end of the year, calculated with estimated interest rates and payments you have defined above. Actual value of saving depends on actual investment performance of assets. Investment performance is not guaranteed as it depends on underlying assets earnings from financial markets during contract period. It is shown already net of contract fees.

About Savings for a Child’s Future

You should think of saving for your child’s future if you wish to make it easier for your child to get a great education or start an independent life.

Savings for a Child’s Future provides the possibility to create meaningful savings for your child by way of regular contributions at a sum that you have selected.

You can earn additional income when your investment grows.

Savings for a Child’s Future is suitable for you if you:

are planning on saving money for more than 10 years;
wish to save a desired amount by making periodic payments until the child turns 18 to 25 years old;
are the child's mother, father or other close person – e.g. godparent, aunt or uncle.

Savings for a Child’s Future is a good saving solution:

you can start saving money for child and we will take care of the investments;
investment strategy to earn and to protect;
At the beginning of the agreement investments are more active, to give possibility to earn more.

Then, according to time remaining until the end of the contract, investments automatically will be adjusted to safer ones, providing more security for the accumulated amount.
savings are covered by a guaranteed amount at the end of the savings period; This means that, in case if the return on investment is negative upon expiry of the agreement, you will receive the guaranteed amount, i.e. the sum of your payments less the agreement fee. It is important to note that the guarantee does not apply in case of termination of the agreement prior to the end of the savings period.
financial safety for your child - your life will be insured;
In the event of your death, Swedbank Life Insurance SE will add the sum insured to the contract.

The sum insured will be calculated as follows: the insured monthly payment (maximum 200 €) multiplied by the number of full calendar months remaining until the maturity date of the contract.

In the contracts concluded from 09.04.2026, the sum insured is equal to insured monthly payment (maximum 200 €) multiplied by the number of full calendar months remaining until the maturity date of the contract or until your 70th birthday if it is before the maturity date. From the age of 70 the sum insured is 2% of the savings reserve.
payments to Savings for a Child’s Future are flexible and you can choose the amount what is suitable for you;
additional payments can also be made by others, for example relatives. Download the gift certificate and see how to make a payment;
you can manage and monitor your contract in your internet bank.

Investments

We will invest your Savings for a Child’s Future contributions in funds. See the overview of the funds included in the contract and their results.

Investment structure consists of predefined asset classes and its allocation according to the duration of the Contract. Each asset class may consist of one or several investment funds selected by us.

Since the contract has a life cycle based investment strategy, the level of investment risk and the allocation of asset classes gradually change over time as the contract maturity approaches. taking higher investment risks at the beginning of the contract term by investing more significantly in equity funds and gradually reducing risks by investing more in bond funds as the Contract period approaches.

Allocation of asset classes over time

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Global equities – asset class is predominantly composed of funds which invest primarily in developed market equities and can also invest in emerging market equities.
Mid-term bonds – asset class is composed of funds which invest in investment grade Eurozone sovereign and global corporate bonds issued in euros with average maturity up to 10 years.
Short-term bonds – asset class is composed of funds which invest in Eurozone sovereign bonds issued in euros with maturity up to 3 years.

More about funds and results

Contract signing and managing

Log in the internet bank and calculate what is the monthly amount you would like to contribute.
Check if Savings for a Child’s Future is suitable for you by filling investment profile questionnaire.
Conclude Savings for a Child’s Future agreement.
Verify and confirm the data entered.
Monthly contributions will be made automatically, using the e-invoices solution.

If you have questions about concluding the agreement online, please call us on 613 1606. Our Consultation Centre‘s specialists will be happy to assist and advise you.

You can manage or terminate savings contract in your internet bank.

Change regular contributions (increase, decrease, suspend, start again regular contributions);
Pay additional amount.

Before terminating your contract take into account, that:

If the contract hasn’t been in force for at least 5 years, you will have to pay a fee according to the Price list.
If the contract has gain profit then the income tax is automatically withheld.
The guaranteed-amount condition will not be valid.

The person for whom the savings were created should submit an application for indemnity payout in the internet bank or in any Swedbank branch.

Conditions and fees

Price list (PDF)
Key information document (PDF)
Key information document (PDF)
Sustainability information (PDF)
Terms and conditions (PDF)
Investment strategy (PDF)
Investment history

Anti-Bullying service

Anti-Bullying service - designed to provide support for parents and their children in case of a bullying event that has happened in or outside school or on digital platforms.
The Anti-Bullying service is provided by the foundation Fonds Plecs with local partners and is available to costumers who have concluded the insurance contract types specified in the terms and conditions of the Anti-bullying service (PDF) for children living in the same household.

Conflicts between children or adolescents can happen. However, certain types of abusive relationships between children are called bullying and can result in greater stress, mental health problems and worse future prospects. Sometimes bullying can even endanger child’s health or life.

The service provides personalised support aimed at strengthening children’s conflict resolution skills and mental self-regulation in case of a bullying event.

Swedbank is committed to support United Nations Sustainable Development Goals. Anti-Bullying service may contribute to the following of these goals – Good health and well-being, Quality education and Peace, Justice and Strong institutions.

The service is available for both families and children who are experiencing bullying and families whose child is the offender in cases where parents are willing to solve their children´s offensive behaviour.
Available for children aged 6-17.
The service does not affect your insurance contract in any way (insurance premiums, risk assessment, fees, etc.).
Find out more about what is the Anti-Bullying service in the terms and conditions of the Anti-bullying service (PDF).

Parents get an assessment of whether the incident is bullying or a conflict.
Specific steps for parents to take immediately.
Individualised specialist support.
Practical tips if not bullying.
Quick response in critical cases.
Service expenses are covered.

Before applying for the service make sure that:

your insurance contract and insurance covers are valid when bullying has happened;
last incident has happened no more than 3 months ago.

Report Fonds Plecs website. There you have to:

register yourself and children;
provide case* details about bullying. Assessment of the case will be handled by Fonds Plecs.

Sustainability

Investing with sustainability in mind helps protect your savings from future risks, while also contributing to a positive impact on the world. By focusing on responsible investments, you’re not only securing your future but also helping create a better one for the next generation.

Sustainability risks, such as climate change, regulatory shifts, and violating social norms, can significantly affect the financial performance of companies. For example:

Businesses reliant on fossil fuels may lose market value as clean energy becomes dominant.
Companies with weak social practices might face legal penalties or reputational damage.
Companies aligned with green technologies and renewable energy not only mitigate these risks but also present long-term growth opportunities, positioning your investments for resilience and higher returns.

Investments in companies with higher environmental, social and governance (ESG) scores provide better long-term returns than those with lower ratings.

Your investments will be directed toward funds that include environmental, social and governance factors, such as:

Promoting investment in companies that contribute to the UN Sustainable Development Goals
Promote long-term reductions in greenhouse gas emissions;
Minimising exposure to companies active in the fossil fuel sector;
Reducing exposure to companies that violate international norms and ethical standards, including issues related to controversial weapons and human rights.

The ESG risk of underlying companies is maintained at or below ’medium’ rating by considering all investments made within the product.

All management companies of funds invested in must have signed the UN Principles for Responsible Investments.

For more information on the sustainability characteristics of this product, please refer to the Sustainability-related disclosures (PDF). Other contractual sustainability information can be seen under Conditions and fees.
For more information on annual performance of the sustainability characteristics of this product, please refer to periodic report (PDF).
Read more: Sustainability in Swedbank Life Insurance SE (PDF).

Statement on principal adverse impacts of investment decisions on sustainability factors

For information on how principal adverse impacts of investment decisions on sustainability factors are considered by Swedbank Life Insurance SE, please refer to the Statement on principal adverse impacts of investment decisions on sustainability factors (PDF).

About Savings for a Child’s Future

You should think of saving for your child’s future if you wish to make it easier for your child to get a great education or start an independent life.

Savings for a Child’s Future provides the possibility to create meaningful savings for your child by way of regular contributions at a sum that you have selected.

You can earn additional income when your investment grows.

Savings for a Child’s Future is suitable for you if you:

are planning on saving money for more than 10 years;
wish to save a desired amount by making periodic payments until the child turns 18 to 25 years old;
are the child's mother, father or other close person – e.g. godparent, aunt or uncle.

Savings for a Child’s Future is a good saving solution:

you can start saving money for child and we will take care of the investments;
investment strategy to earn and to protect;
At the beginning of the agreement investments are more active, to give possibility to earn more.

Then, according to time remaining until the end of the contract, investments automatically will be adjusted to safer ones, providing more security for the accumulated amount.
savings are covered by a guaranteed amount at the end of the savings period; This means that, in case if the return on investment is negative upon expiry of the agreement, you will receive the guaranteed amount, i.e. the sum of your payments less the agreement fee. It is important to note that the guarantee does not apply in case of termination of the agreement prior to the end of the savings period.
financial safety for your child - your life will be insured;
In the event of your death, Swedbank Life Insurance SE will add the sum insured to the contract.

The sum insured will be calculated as follows: the insured monthly payment (maximum 200 €) multiplied by the number of full calendar months remaining until the maturity date of the contract.

In the contracts concluded from 09.04.2026, the sum insured is equal to insured monthly payment (maximum 200 €) multiplied by the number of full calendar months remaining until the maturity date of the contract or until your 70th birthday if it is before the maturity date. From the age of 70 the sum insured is 2% of the savings reserve.
payments to Savings for a Child’s Future are flexible and you can choose the amount what is suitable for you;
additional payments can also be made by others, for example relatives. Download the gift certificate and see how to make a payment;
you can manage and monitor your contract in your internet bank.

Investments

We will invest your Savings for a Child’s Future contributions in funds. See the overview of the funds included in the contract and their results.

Investment structure consists of predefined asset classes and its allocation according to the duration of the Contract. Each asset class may consist of one or several investment funds selected by us.

Allocation of asset classes over time

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Global equities – asset class is predominantly composed of funds which invest primarily in developed market equities and can also invest in emerging market equities.
Mid-term bonds – asset class is composed of funds which invest in investment grade Eurozone sovereign and global corporate bonds issued in euros with average maturity up to 10 years.
Short-term bonds – asset class is composed of funds which invest in Eurozone sovereign bonds issued in euros with maturity up to 3 years.

More about funds and results

Contract signing and managing

Log in the internet bank and calculate what is the monthly amount you would like to contribute.
Check if Savings for a Child’s Future is suitable for you by filling investment profile questionnaire.
Conclude Savings for a Child’s Future agreement.
Verify and confirm the data entered.
Monthly contributions will be made automatically, using the e-invoices solution.

If you have questions about concluding the agreement online, please call us on 613 1606. Our Consultation Centre‘s specialists will be happy to assist and advise you.

You can manage or terminate savings contract in your internet bank.

Change regular contributions (increase, decrease, suspend, start again regular contributions);
Pay additional amount.

Before terminating your contract take into account, that:

If the contract hasn’t been in force for at least 5 years, you will have to pay a fee according to the Price list.
If the contract has gain profit then the income tax is automatically withheld.
The guaranteed-amount condition will not be valid.

The person for whom the savings were created should submit an application for indemnity payout in the internet bank or in any Swedbank branch.

Conditions and fees

Price list (PDF)
Key information document (PDF)
Key information document (PDF)
Sustainability information (PDF)
Terms and conditions (PDF)
Investment strategy (PDF)
Investment history

Anti-Bullying service

The service provides personalised support aimed at strengthening children’s conflict resolution skills and mental self-regulation in case of a bullying event.

The service is available for both families and children who are experiencing bullying and families whose child is the offender in cases where parents are willing to solve their children´s offensive behaviour.
Available for children aged 6-17.
The service does not affect your insurance contract in any way (insurance premiums, risk assessment, fees, etc.).
Find out more about what is the Anti-Bullying service in the terms and conditions of the Anti-bullying service (PDF).

Parents get an assessment of whether the incident is bullying or a conflict.
Specific steps for parents to take immediately.
Individualised specialist support.
Practical tips if not bullying.
Quick response in critical cases.
Service expenses are covered.

Before applying for the service make sure that:

your insurance contract and insurance covers are valid when bullying has happened;
last incident has happened no more than 3 months ago.

Report Fonds Plecs website. There you have to:

register yourself and children;
provide case* details about bullying. Assessment of the case will be handled by Fonds Plecs.

Sustainability

Sustainability risks, such as climate change, regulatory shifts, and violating social norms, can significantly affect the financial performance of companies. For example:

Businesses reliant on fossil fuels may lose market value as clean energy becomes dominant.
Companies with weak social practices might face legal penalties or reputational damage.
Companies aligned with green technologies and renewable energy not only mitigate these risks but also present long-term growth opportunities, positioning your investments for resilience and higher returns.

Investments in companies with higher environmental, social and governance (ESG) scores provide better long-term returns than those with lower ratings.

Your investments will be directed toward funds that include environmental, social and governance factors, such as:

Promoting investment in companies that contribute to the UN Sustainable Development Goals
Promote long-term reductions in greenhouse gas emissions;
Minimising exposure to companies active in the fossil fuel sector;
Reducing exposure to companies that violate international norms and ethical standards, including issues related to controversial weapons and human rights.

The ESG risk of underlying companies is maintained at or below ’medium’ rating by considering all investments made within the product.

All management companies of funds invested in must have signed the UN Principles for Responsible Investments.

For more information on the sustainability characteristics of this product, please refer to the Sustainability-related disclosures (PDF). Other contractual sustainability information can be seen under Conditions and fees.
For more information on annual performance of the sustainability characteristics of this product, please refer to periodic report (PDF).
Read more: Sustainability in Swedbank Life Insurance SE (PDF).

Statement on principal adverse impacts of investment decisions on sustainability factors

For information on how principal adverse impacts of investment decisions on sustainability factors are considered by Swedbank Life Insurance SE, please refer to the Statement on principal adverse impacts of investment decisions on sustainability factors (PDF).

Mother and daughter are using internet banking for investment portfolio overview.

Would you like to personally invest for your child?

You can also save money for your child by investing yourself.
In doing so, you can decide for yourself which funds and shares to invest in.
Investing requires a little more digging, but there’s nothing complicated to it.
Click on the button, and we’ll tell you how investing for your child works.

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Investment Helpline

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Savings for a Child's Future