Have a lump sum you're thinking of investing on behalf of a little one? A Children's Investment Bond could be the perfect option to watch their savings grow. An Investment Bond is a single premium investment that has no fixed term, but is designed to be held for a minimum of five years.

Please be aware that a surrender penalty will apply if cashed in within the first five years and the child could get back less than you invested.

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These plans are designed for anyone that has a single lump sum they want to invest over the medium to long-term. There is also the added bonus of knowing that if you invest for five years or longer, the child will be guaranteed a minimum return of at least 103% after five years of the initial investment.

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Anyone can have a plan, although an adult (the proposer) will need to complete the proposal form for any child under the age of 11 and their signature required for a withdrawal or surrender for any child under the age of 16. You can also open this bond in joint names.

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A Children's Investment Bond is a great way to invest a lump sum for a child you care about, with the added peace of mind of a minimum guaranteed amount of 103% (after five years) plus potential annual and final bonuses.