Foresters Stocks and Shares ISAs
Investing carries risk. Your returns may be lower than the amount you put in.
What is a Stocks and Shares ISA?
A Stocks and Shares ISA is a tax-efficient way to invest in the stock market, through funds or stocks and shares. It allows you to save up to £20,000 each tax year, and there is potential for growth that is free of UK income and capital taxes.
As it’s an investment product, your money has good potential to outgrow interest rates, but you need to be aware that there is a risk that its value could go down, which would mean you getting back less than you’ve paid in if you decide to withdraw while the value is low.
To get started, choose which ISA option you’d like to invest in. We have three options which are medium-low to medium risk. These include sustainable and Shariah compliant fund options.
Is a Stocks and Shares ISA right for me?
A Stocks and Shares ISA could be the best option if:
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You want to save for the medium to long-term (over 5 years)
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You are looking for low minimum contributions
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You want to pay one, simple Annual Management Charge
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You want easy access to your money
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You are a UK resident, aged 18 or over
If you are aged 18 to 39 and want to save towards your first home or later life (after 60), a Lifetime ISA may better suit your needs.
To get started, choose an investment option
Stocks and Shares ISA
Save for your future with a choice of funds.
- Choose to invest your savings fully or partially in this fund.
- Invest over the medium to long-term in a professionally managed fund by Schroders.
- You can also choose from our sustainable-focused fund.
- Annual Management Charge of 1.5%, reducing to 1% after 10 years.
Risk rating: Medium-low
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View more information about our Stakeholder ISA.
Shariah Stocks and Shares ISA
Save towards your future with a fund that aligns with your beliefs.
- This managed fund invests in the Schroder Islamic Global Equity Fund.
- It is a Shariah compliant portfolio of global shares that aims to grow your investment over the medium to long-term.
- Annual Management Charge of 1.5%, reducing to 1% after 10 years.
Risk rating: Medium
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View more information about our Shariah ISA.
With an ISA tax treatment depends on individual circumstances and may be subject to change. As with all stock market investments the value of your ISA can fall as well as rise. A Lifetime ISA must be held for at least 12 months before using it towards the purchase of a first home.
By saving into a Lifetime ISA instead of a workplace pension, you could lose the benefit of employer contributions and the value could affect any entitlement to means tested benefits. If you make a withdrawal from the Lifetime ISA before age 60, other than to purchase your first home, you will pay a government penalty of 25% on the withdrawal amount, and you may get back less than you paid in.
Why invest with Foresters?
Highly rated
Our customers and members rate us 4.7 out of 5 for our service
Trusted
3 million customers trust us with over 5.2bn funds to look after
Established
Taking care of family finances and making a positive impact for over 150 years
We go the extra mile
Get guidance from our Financial Advisers, and your investments managed by experts
Get rewards by becoming a Foresters member
If you open an ISA with us you become a member, and will have access to a range of exclusive benefits at no cost.
Member benefits are not regulated by the Prudential Regulation Authority or the Financial Conduct Authority and may change in the future.
Stakeholder ISA
This chart shows the potential returns for the Stakeholder fund option, based on a £1,000 initial deposit and a £50 monthly contribution over a 10-year time frame.
Risk rating: Medium-low
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View more information about our Stakeholder ISA.
How your savings could grow with a Foresters ISA
These forecasts are indicative of any potential returns and depend on varying market conditions. They are not a guarantee of a set return. The value of investments can go up and down, and you may not get the full amount you put in.
- The figures give you an idea of what monthly contributions could be worth in years to come assuming an annual management charge of 1.5% (1% after 10 years) and the following: For a projected annual investment growth of 2%, we have assumed that your monthly contribution will increase annually by 2.5%. For a projected annual investment growth of 5%, we have assumed that your monthly contribution will increase annually by 3%. For a projected annual investment growth of 8%, we have assumed that your monthly contribution will increase annually by 5%.
- The figures are only examples and not guaranteed. What your child may get back could be less or more, this is dependent on the funds performance and tax treatment of the investment.
- Inflation could reduce what you could buy in the future.
- Every year you will receive a statement showing the value of the Junior ISA, however you can see this at any time on MyPlans.
- All Junior ISAs have an annual management charge of 1.5% of the value of the funds you accumulate. If your fund is valued at £250 throughout the year, this means that we charge £3.75 that year. If your fund is valued at £500 throughout the year, this means that we charge £7.50 that year. After 10 years these deductions would reduce to £2.50 and £5.00 respectively.
- Charges may vary in the future.
- All payments are locked into the Plan until the child’s 18th birthday and cannot be reclaimed by the donor(s).
- For more information please read the Stocks & Shares ISA Key Information Document(s) and Important information.
"My Financial Adviser was extremely friendly and thorough and talked me through anything I was unsure about. I felt comfortable and am looking forward to saving for my daughters future with you!"
Our costs
1.5%
Annual Management Charge
Reducing to 1% after 10 years
0%
Transfer or contributions fees
Including entry and exit fees
£20
Low contributions
With single of monthly payments
Easily transfer your ISA to Foresters
Transfer to our ISAs
We only accept Stocks and Shares and Cash ISAs from other providers.
Transfer a Junior ISA or CTF
You can transfer to us online and all you need are yours and your child’s details to hand.
Supporting you at every step
Contact us
Our UK-based customer services team is here to help with any questions you may have.
Seek advice
Looking for financial guidance? Our advisers are ready to assist in finding the right options for you.
Financial wellbeing
Find out how we can help support you with any money worries or financial difficulties you may face.
About member Benefits
Description of member benefits that you may receive assumes you are a Foresters member. Members must be 18 years of age or older and must have an active Foresters Plan and maintain it in good standing. Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice. Member benefits are not regulated by the Prudential Regulation Authority or the Financial Conduct Authority and may change in the future.