Welcome to Foresters Financial
You have taken your next steps to start your financial journey.
All you need to know about saving for yours child’s future with Foresters can be found here.
Why save with Foresters?
With us, we make it simple and affordable to save towards your child's future and protecting the ones you love, so you can focus on the important things in life and make lasting memories.
As a mutual organisation we don’t have shareholders; any profit we make is used for the benefit of our members, our Planholders. Our business is purpose driven, which means we give back to our members, their families and their communities.
Open a Junior ISA and save towards your child's future
A Junior ISA with Foresters is a tax-efficient savings account for adults to save on behalf of a child starting from as little as £10 a month up to £9,000 this tax year. Friends and family can contribute too – helping to build up your child's savings pot.At age 18 the Junior ISA will automatically role into an adult ISA where your child can decide whether they would like to continue to save.
Open a Junior ISA today and take that step towards saving for when they reach adulthood.
Choose the Junior ISA
Stakeholder Junior ISA
Whatever they want to be in the future, invest easily in a choice of funds.
- The choice of 2 funds - Invest all the money in one fund or split between the two. You can make a fund switch at any time.
- Both funds consider ESG factors, with the sustainable fund having a specific focus on sustainability.
- The funds are actively managed by the professionals at Schroders.
Shariah Junior ISA
Invest for your future in a Shariah compliant Junior ISA.
- Our Shariah compliant fund invests in a range of shares from around the world.
- An appointed Shariah Supervisory board and Shariah Adviser to make sure the investment aligns with your beliefs.
- The fund is actively managed by the professionals at Schroders.
Tax treatment depends on individual circumstances and may be subject to change in the future. As with all stock market investments the value of your child’s Junior ISA can fall as well as rise and you may get back less than has been paid in. Gifts cannot be reclaimed and combined amounts cannot exceed the contribution limit of £9,000.
Transfer your child's savings
Already have a Junior ISA or Child Trust Fund for your child? If you feel we are right for you, you can transfer it to us.
We could be the right choice to save for your child's future milestones. Take a look at the transfer options.
Saving for yourself
Whether you are saving for a home, ensuring you have a rainy day pot or simply just saving, our ISA is an affordable way to save for the future if you’re investing for the medium to long-term.
We’ve made things easy to manage - Our ISA allows you to combine both a Stocks and Shares ISA and Lifetime ISA in one Plan. You need to be over 18 and a UK resident, and for the Lifetime ISA element under age 40, to open one. If eligible, you can have one or both.
Under age 40? Get up to £1,000 added to your savings
A Lifetime ISA is available to anyone aged between 18 and 39, and was introduced by the Government to help first-time buyers get on the property ladder and/or to build additional savings for later on in life. The Government offers a 25% bonus added to all amounts invested into the Lifetime element, up to the maximum £4,000 per year, meaning the Government will contribute up to £1,000 each year.You can start contributing from £20 up to the ISA allowance of £20,000 (of which £4,000 can be saved into the Lifetime ISA).
As the Lifetime ISA limit applies to each individual, you and a partner (if eligible) can have a separate Lifetime ISA and combine your savings to purchase a first home together in the UK worth up to £450,000.If you are saving for later life you can contribute and receive the government bonus up to age 50. From age 60 you may begin encashing from the Lifetime ISA without paying the government penalty and free from UK income and capital taxes.
Choose your ISA
You can decide how your ISA invests, choose between our Stakeholder ISA with sustainable fund choice, or our Shariah compliant ISA. If eligible, during your application you can decide to open a Stocks and Shares ISA and/or a Lifetime ISA.
Stakeholder ISA
Whatever your savings goal, invest easily in a choice of funds.
- The choice of 2 funds - Invest all the money in one fund or split between the two. You can make a fund switch at any time.
- Both funds consider ESG factors, with the sustainable fund having a specific focus on sustainability.
- The funds are actively managed by the professionals at Schroders.
Shariah ISA
Invest for your future in a Shariah compliant ISA.
- Our Shariah compliant fund invests in a range of shares from around the world.
- An appointed Shariah Supervisory board and Shariah Adviser to make sure the investment aligns with your beliefs.
- The fund is actively managed by the professionals at Schroders.
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 an withdrawal before age 60, other than to purchase your first home, you will pay a government penalty of 25% on the withdrawn amount, and you may get back less than you paid in.
Protecting the ones you love
As families and responsibilities grow it is important to make sure yourself, and those you love are protected should the unexpected happen.
Our protection products offer a level of choice and flexibility and the amount you pay will depend on your personal details such as age, which benefits you choose, the length of time the cover applies for, occupation and medical history.
Explore your options
Critical Illness
Life Benefit
Combined Life and Critical Illness
Income Protection 
Being a Foresters member
By saving with us, you become a member and join a mutual organisation whose Purpose is to enrich family and community well-being. From age 18 members have access to a range of exclusive benefits, such as volunteer grants, member discounts and will writing.
Working with
