Product information
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Foresters Stocks and Shares Junior ISA
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A tax-efficient way to build up a lump sum towards your child's future
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The money is held until they're 18, helping to fund their future
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Start saving from as little as £10 a month and/or a £20 single contribution
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Save up to £9,000 each tax year
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Family and friends can contribute making it ideal for celebratory gifts
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Simple investing with a choice of two funds professionally managed for you
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A straightforward single annual management charge and no other hidden costs
Where do you want the money to invest?
When opening a Stocks and Shares Junior ISA, you’ll be able to choose one or both of the following funds.
A straightforward global fund
Foresters Stakeholder (Schroders) Managed Fund
- A global, straightforward fund designed for Foresters customers.
- 45-60% invested in shares to help reduce risk.
- Invest over the medium to long-term.
- Professionally managed fund by Schroders.
Risk rating: Medium-low
Annual Management Charge 1.5%, reducing to 1% after 10 years.
A sustainable-focused fund
Foresters Stakeholder (Schroders) Sustainable Future Managed Fund
- Invest for an overall positive effect on people and the planet.
- 0-60% invested in shares to help reduce risk.
- Invest over the medium to long-term.
- Professionally managed fund by Schroders.
Risk rating: Medium-low
Annual Management Charge 1.5%, reducing to 1% after 10 years.
Open a Junior ISA View fund details
If you would like to save towards your child's future inline with Islamic beliefs, we also have a Shariah Junior ISA
The money in this Junior ISA is invested in stocks and shares. This gives good potential for the money to grow over the long-term, but there is a risk that value could go down as well as up. There is the chance your child could get back less than has been contributed. Tax treatment depends on individual circumstances.
Why invest with Foresters?
Trusted
2.5 million customers trust us with over 5.2bn funds to look after
Established
Managing family finances and making a positive impact for over 150 years
We go the extra mile
Financial Advisers, expert investment managers, and UK customer services
Want to discuss your savings options?
Foresters provides a personal financial planning service by video call or in the comfort of your home. To help meet yours and your family’s current and future financial needs, at no extra cost.
Junior ISA FAQs
Any child under the age of 18 and a resident of the UK can have a Junior ISA. Before the age of 16, this must be opened by a parent or legal guardian, however, once they reach 16, a child is able to open their own Junior ISA savings account.
The savings are protected and can only be accessed by the child, once they turn 18.
Before the age of 16 a parent or legal guardian must look after the Junior ISA. When the child turns 16, they are then eligible to look after their own account if they wish to do so. A child can also open their own Junior ISA when the turn 16. In both cases, the money in a Junior ISA is not accessible to the child until they are 18.
Yes, you can choose to open both a Stocks and Shares Junior ISA and a Cash Junior ISA and split the allowance of £9,000 per tax year between the accounts.
Anyone can contribute to a Junior ISA, including grandparents, family or friends, as long as the contributions do not exceed the £9,000 tax year limit.
A Junior ISA can only be opened by someone with legal parental responsibility. However, grandparents can contribute to Junior ISAs
No one can access the money in a Junior ISA, besides the child once they reach their 18th birthday. The money is locked away until then and cannot be accessed by parents. Gifts cannot be reclaimed.
In exceptional circumstances a withdrawal may be made, such as a child's death or terminal illness.
Our Junior ISA is protected by the Financial Services Compensation Scheme (FSCS) which means that in the unlikely event that we cannot meet our obligations you will be able to make a claim for the full value of the Junior ISA from the FSCS.
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Learn the Junior ISA basics
Ready to start saving for your child's future but not sure where to begin? Take control of your family's finances with our helpful Junior ISA guides.