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Growth Portfolio Junior

Growth Portfolio Junior is a flexible way of saving money, which allows the child to withdraw the money at the agreed time, e.g. when they turn 18. This way, you can save money so your child could start independent life or attend university.

Savings for your child’s future

Calculate how much you need to save for your child’s future

  • Monthly deposit in savings account
    Monthly deposit must be between 35 and 999 EUR
    1000 EUR
    Amount saved at maturity
    Tax refund amount depends on income and the amount you are already paying in other savings products. To receive tax refunds an application with income data once a year should be submitted in State Revenue Service.
  • Savings term
    Savings term must be between 10 and 18 years.
    Expected return
    The final amount depends on deposited amount, chosen life insurance premiums and funds performance.
    The expected return can't be greater than 10%
Calculations were made assuming, that customer is 35 years old, and has chosen Life insurance sum in amount of 1400 EUR. The amount of savings depends on the performance of the fund you have selected. Historical results and / or yields are not a reliable indicator for predicting future outcomes and / or yields and do not guarantee equivalent results and / or yields in the future. Your capital is not guaranteed. This calculation uses the current tax policy and the income tax rate, which may change, according to possible changes in the regulatory enactments. The tax amount to be recovered will vary from case to case. This calculation does not take in account contributions made in other savings products, which could change the amount of tax refund.

Growth Portfolio Junior

  • More than 8,800 parents are saving €40 in a month for their child, on average

  • Parents start saving for children when they are approximately 3 years old

  • The average saving period is 15 years

  • 30% of parents take advantage of the flexibility of the product and make additional contributions

2019 data of SEB Elu- ja Pensionikindlustus.


With Growth Portfolio Junior, start-up money can be saved for the child by investing into various investment funds. Investments need to be monitored and managed by the policyholder. The risk arising from investing into funds is higher, but you can earn more income.

Contributions can be made at the time and in the amounts of your choosing. You can set up  an e-invoice with standing order contract or a standing payment order to make sure that you are making regular contributions. It is possible to withdraw funds in part from the Growth Portfolio Junior contract.

At the agreed time the child can withdraw the accumulated sum. The contract of Growth Portfolio Junior can be signed by the child’s parents orother close ones.

If you wish to amend your life insurance agreement or terminate it prematurely, please call the insurance line at 665 8020 or write to .

Selection of insurance covers

Growth Portfolio Junior contract can be complemented with insurance covers:

  • accident insurance cover provides compensation in case of temporary or permanent injury as a result of an accident with the child;
  • insurance cover for the continuation of insurance premiums ensures that if the policyholder dies before the contract ends, the insurance undertaking will continue with the agreed payments according to the latest investment structure in place.


Please read the insurance terms and conditions and price list of Growth Portfolio Junior before you sign the insurance contract.

General Terms

Terms and Prices 

Underlying assets

Key Information Document 

Any questions?



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