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Catherine's daughter and son, 12 and 9


Jisas and general investment accounts invested in funds, cash


Build up sum to cover children's university or apprenticeship costs, a house deposit or travel, annualised return of 20 per cent a year, beat returns of FTSE 250 tracker and cash

<p>Jisas and general investment accounts invested in funds, cash</p>

Catherine is investing for her 12-year-old daughter and nine-year-old son. The grandparents add £75 per month into each of the children's junior individual savings accounts (Jisas) and, every time one of the children’s NS&I Children's Bonds matures, Catherine transfers the proceeds into the Jisas.

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