Foresters Stocks and Shares ISA
Investing gives you the chance to grow your savings, but there’s a risk that the value of your investment could go down as well as up.
What is a Stocks and Shares ISA?
A Stocks and Shares ISA is a way to save for your future by investing in the stock market, through stocks, shares and other assets. Save up to £20,000 each tax year, free from UK tax.
Our Stocks and Shares ISA allows you to invest for better potential growth over the medium to long-term (over 5 years).
If you are a UK resident over age 18, looking to save for at least 5 years with easy access to your savings, then a Foresters Stocks and Shares ISA might be right for you.
Expert managers to make investment decisions
Monthly or single contributions from £20
Choose between two funds, including a sustainable-focused option
Exclusive member benefits, a thank you from us
Want to save towards your first home or later life? If you're aged 18 to 39 a Lifetime ISA may better suit your needs.
Where do you want to invest your money?
When opening a Stocks and Shares ISA, you’ll be able to choose one or both of the following funds and decide how much to invest in each.
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.
Product information
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.
The money in this ISA is invested in stocks and shares. This gives good potential for your money to grow over the long-term, but there is a risk that value could go down as well as up. These is the chance you could get back less than has been contributed. Tax treatment depends on individual circumstances.
1.5% - 1%
Annual Management Charge
1.5% reducing to 1% after 10 years
0%
Transfer or contributions fees
Including entry and exit fees
£20
Minimum contributions
With single or monthly payments
Why invest with Foresters?
Highly rated
Our customers and members rate us 4.7 out of 5 for our service
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 exclusive benefits
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 PRA or the FCA and may change in the future.
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 direct charge to you.
Transfer your ISA to Foresters
Transfer to our Stocks and Shares ISA
We only accept Stocks and Shares and Cash ISAs from other providers.
Transfer a Junior ISA or Child Trust Fund
Transfer to us to keep all of your savings under one roof.
Stocks and Shares ISA FAQs
Our ISA could be the best ISA for you if you are 18 or over and looking to start saving in a simple, affordable, tax-efficient ISA. Depending what your savings goals are find the best ISA for you.
Speak to one of our Financial Advisers for their guidance
Remember, our ISA is a stocks and shares ISA so you will be investing your money and will need to be happy to take some risk.
If you are a UK resident aged 18 or over, you can open a Stocks and Shares ISA.
If you are a UK resident aged 18 – 39, you can open a Lifetime ISA. You should be looking to save to buy your first home or save for later on in life, or both.
With an ISA you have flexibility so you can withdraw your money at any time. However, we recommend you aim to invest for at least five years for better potential for growth.
We have no hidden charges. Our ISA has a 1.5% annual management charge reducing to 1% after 10 years, with no other charges.
You can withdraw from your Stocks and Shares ISA online with MyPlans or with a Financial Adviser or via Customer Services. The unit price displayed is for the previous working day, which changes daily, this means you may receive a little more or less than what you have chosen to withdraw. The price you receive will be based on the date the withdrawal is requested. It will take 3-5 working days, after we complete our necessary security checks, for the money to reach your account.
Our 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 ISA from the FSCS.
If you are eligible for our other ISA element (Stocks and Shares or Lifetime), you will be able to open this online or with your Financial Adviser.
Discuss your options with a Financial Adviser
Alternatively, please contact us.
Yes, you are able to transfer a Stocks and Shares ISA or Cash ISA to Forester Life. We do not charge entry, exit or transfer fees.
Please note we do not accept Lifetime ISA or Help To Buy ISA transfers.
You are able to view the value of your ISA 24/7 by opening your MyPlans account.
There is no interest rate as our ISA invests in stocks and shares and is not a Cash ISA.
Investing in stocks and shares provides better potential for growth than cash in the long-term. In every 10 year time period, over the last 113 years, the probability of stocks and shares outperforming cash was 91% (Barclays Equity Gilt Study 2022).
To transfer your money to another ISA provider, you will need to contact your new provider first so they can start the transfer process.
Before submitting the transfer request to your new provider, please ensure your personal details with us are up to date, as the information you provide will need to match with your new provider. If they do not, this will hold up the transfer process. You can check your personal details and update if necessary, online with MyPlans or by contacting Customer Services.
If you make a full transfer from your ISA, your Plan with us will close, and you will no longer have access to your member benefits. We do not charge for any transfers.
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.