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Savings for Child's Future

Create your child’s future today!

Start saving for a better future for your child today and make use of the following advantages:

  • Savings will help to contribute to a comfortable future for your child;
  • Savings are covered by a guaranteed amount at the end of the savings period;
  • Financial safety for your child - your life will be insured.
Minimum contract period should be 5 years. Add 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. 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.

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Schedule of payment and fees

Positive scenario

Contract year Total amount of payments 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.

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.

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.

College fund+ 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.

College fund+ is suitable for you if you:

  • are planning on saving money for more than 5 years;
  • wish to save a desired amount by making periodic payments until the child turns 18 to 21 years old;
  • are the child's mother, father or other close person – e.g. godparent, aunt or uncle, and you are up to 55 years old.

College fund+ 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;
  • savings are covered by a guaranteed amount at the end of the savings period;
  • financial safety for your child - your life will be insured;
  • discount for your child’s good academic performance;
  • payments to College fund+ are flexible and you can choose the amount what is suitable for you;
  • additional payments to the College fund+ 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.

Your child's 18th birthday might seem light years away. How would you manage financially if your child started university tomorrow?

  • On average, university students spend €541 per month on living expenses.
  • More than half of Estonian students rely on financial support from parents or other relatives.

Are you prepared for that?

Research “Financial Behaviour of Estonian Students” was conducted by the market research company Spinter Research in August 2020.

College fund+ is a unit-linked life insurance contract. Prior to entry into the contract, please examine the terms and conditions of the contract, the price list and the short prospectus at the homepage www.swedbank.ee. The list of investment related risks is specified in the short prospectus. The service provider is Swedbank Life Insurance SE.

  1. Log in the internet bank and calculate what is the monthly amount you would like to contribute.
  2. Check if College Fund+ is suitable for you by filling investment profile questionnaire.
  3. Start concluding College Fund+ agreement.
  4. Verify and confirm the data entered.
  5. 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.

Sign up for a consultation

College fund+ is a unit-linked life insurance contract. Prior to entry into the contract, please examine the terms and conditions of the contract, the price list and the short prospectus at the homepage www.swedbank.ee. The list of investment related risks is specified in the short prospectus. The service provider is Swedbank Life Insurance SE.

College fund+ is a unit-linked life insurance contract. Prior to entry into the contract, please examine the terms and conditions of the contract, the price list and the short prospectus at the homepage www.swedbank.ee. The list of investment related risks is specified in the short prospectus. The service provider is Swedbank Life Insurance SE.

Manage savings contract in your internet bank:

Please visit Swedbank branch or call to Consultation Centre in the following cases:

  • If you want to terminate contract, it can be done at the branches of the bank or via internet bank having previously called the Consultation Centre. Before you do that please 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 have gain profit then the income tax is automatically withheld.
    • The guaranteed-amount condition will not be valid.
  • Indemnity payout out at the contract maturity. The person for whom the savings were created should submit an application for indemnity pay-out in the internet bank or in any Swedbank branch.

College fund+ is a unit-linked life insurance contract. Prior to entry into the contract, please examine the terms and conditions of the contract, the price list and the short prospectus at the homepage www.swedbank.ee. The list of investment related risks is specified in the short prospectus. The service provider is Swedbank Life Insurance SE.

Easy saver helps your savings grow in small but smart steps, seamlessly.

The only saving option that allows you to get a tax rebate on your contributions.

Life insurance is important if there are people in your life who depend on your income.

Investment Helpline

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