Family Flexible Plan
Beat the taxman together
How your family money could grow
It’s impossible to tell you the exact return your family may get in the future but we can give you a rough idea. Take a look at what a family of three might get back from their combined investment if they start a Family Flexible Plan with Scottish Friendly.
Projected returns on £75 per month invested into 3 plans over 15 years*
Projected returns for illustration only. Remember each family member's original investment is not guaranteed and each person could get back less than the amounts shown.
Investing in the stock market is not without its risks because shares can rise and fall and each family member could get back less than the amount paid in.
| Projected return for: | Age at outset | Monthly premium | Projected value at 4% per year | Projected value at 7% per year | Projected value at 9% per year |
|---|---|---|---|---|---|
| Adult 1 | 30 | £25 | £5,430 | £6,900 | £8,120 |
| Adult 2 | 30 | £25 | £5,430 | £6,900 | £8,120 |
| Child | 3 | £25 | £5,440 | £6,910 | £8,140 |
Source: Scottish Friendly. Based on 2 adults aged 30 and 1 child aged 3 at outset investing £25 per month each. *Total amount invested £13,500. These figures are only examples and are not guaranteed. They are based on premiums being paid into three plans for the full 15 years. They are not minimum or maximum amounts. What each family member gets back depends on how their investment grows and on the tax treatment of the investment. You and your family could get back more or less than the figures projected above and the total amount invested. The annual rates of growth for the illustration have been based on our reasonable estimate of potential returns and are equal to the maximum projection rates permissible by the Financial Conduct Authority, with the exception of the lower rate which is less than the maximum permitted rate. All the figures include the deduction of the actual charges assumed on each family members plan. These charges may vary in future. Do not forget that inflation would reduce what you and your family could buy in the future with the amounts shown. (For more details on the effect of charges on your plan, please see the Key Features for adult investments and Key Features for child investments).