If there is one certainty about starting a family, it is that it is going to be expensive - very expensive.
More than ever before it is not just the cost of keeping the kids dressed, fed and entertained that parents need to think about. The rising cost of a university education, coupled with spiralling house prices, mean many children will still be reliant on the 'bank of mum and dad' long after they turn 18.
But while kids will cost you, they do not have to drain your finances altogether. Whether you are a parent who wants to prepare for the future or a grandparent who wants to help out, there is a range of affordable savings and investment plans to help you build a nest egg for your child or grandchild.
Here are a selection of savings plans for children currently available in Malta:
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