Savings & Investment Plan
Helping you save even more than the ISA allowance and reach your investment goals.
No savings limit
Start saving from £20
Expertly managed funds
A choice of professionally managed funds
Single or joint saving
Save by yourself or with a partner
Access at any time
You should aim to invest for at least 5 years
Low charge
1.5% reducing to 1% after 10 years
Manage savings online
View Plan details at any time with MyPlans
Our Savings & Investment Plan
Our Savings & Investment Plan is a simple and affordable way of building up a lump sum for the future, if you would like to save above the ISA allowable limit. You can also invest in the Plan with a spouse or partner, and can open one from age 16.
Start saving for your future
Foresters Stakeholder (Schroders) Managed Fund
A global, straightforward fund designed for Foresters Customers
- 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
- Considers ESG factors with 45-50% invested in shares.
Foresters Stakeholder (Schroders) Sustainable Future Managed Fund
Invest in your future in a fund that also has a focus on sustainability
- 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
- Considers ESG factors with 0-60% invested in shares.
Tax treatment depends on individual circumstances and may be subject to change. As with all stock market investments the value of your Savings & Investment Plan can fall as well as rise.
What could my Savings & Investment Plan be worth?
Regular payments
| Monthly amount | Fund value after | |||
| 10 years | 15 years | 20 years | ||
| £50.00 with automatic increases of 3.0% pa |
£7,920 | £14,000 | £22,000 | |
| £100.00 with automatic increases of 3.0% pa |
£15,800 | £28,100 | £44,100 | |
| £250.00 with automatic increases of 3.0% pa |
£39,600 | £70,300 | £110,000 | |
| £500.00 with automatic increases of 3.0% pa | £79,200 | £140,000 | £220,000 | |
Single payments
| Single amount | Fund value after | |||
| 10 years | 15 years | 20 years | ||
| £1,000 contributions |
£1,330 | £1,580 | £1,870 | |
| £5,000 contributions |
£6,670 | £7,910 | £9,370 | |
| £25,000 contributions |
£33,300 | £39,500 | £46,800 | |
Important Notes
• These figures are only examples and are not guaranteed. The actual value could be more or less than shown, and could be less than has
been paid in. What you will get back depends on how much your investment grows and on the tax treatment of the investment. Investments can go down as well as up.
• Inflation would reduce what you could buy in the future.
• Your needs will be confirmed before a recommendation can be made.
• The Savings & Investment Plan is a medium to long-term stakeholder investment scheme and as such meets the standard for ‘capped charges’. There is an annual 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.
• Every year we send a statement showing the value of the Plan.
• For more information please read the Savings & Investment Plan Key Information Document(s) and brochure.
Want to save in our Shariah Fund?
We also offer a Shariah compliant fund, find out more about how you can invest towards your future.