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See what your Plan could be worth

To give you an idea of how much and how long you need to save to reach your savings goals, here are some examples.

Monthly contributions 

  
Fund value after
5 years 10 years 15 years 20 years
£20 £1,270 £2,750 £4,540 £6,640
£50
 £3,190 £6,870 £11,300 £16,600
£100
 £6,380 £13,700 £22,700 £33,200
£150 £9,570 £20,600 £34,000 £49,800
£200
 £12,700 £27,500 £45,400 £66,400
£500 £31,900 £68,700 £113,000 £166,000
£625 £39,800 £85,900 £141,000 £207,000
£1,000 £63,800 £137,000 £227,000 £332,000
£1,500 £95,700 £199,000 £311,000 £429,000
£1,600 £100,000 £203,000 £316,000 £434,000
Annual investment growth of 2%, we have assumed that your monthly contribution will increase annually by 2.5% inflation. 

Single contributions


 Fund value after
5 years 10 years 15 years 20 years
£20 £20 £20 £22 £23
£50
 £51 £52 £55 £57
£100
 £102 £104 £110 £115
£200 £204 £209 £220 £231
£500 £511 £524 £550 £577
£1,000 £1,020 £1,040 £1,100 £1,150
£5,000 £5,110 £5,240 £5,500 £5,770
£7,500 £7,670 £7,860 £8,250 £8,660
£15,000 £15,300 £15,700 £16,500 £17,300
£20,000 £20,400 £20,900 £22,000 £23,100

Monthly contributions 

  
Fund value after
5 years 10 years 15 years 20 years
£20 £1,380 £3,250 £5,830 £9,270
£50
 £3,460 £8,120 £14,500 £23,100
£100
 £6,930 £16,200 £29,100 £46,300
£150 £10,400 £24,300 £43,700 £69,500
£200
 £13,800 £32,400 £58,300 £92,600
£500 £34,600 £81,200 £145,000 £231,000
£625 £43,300 £101,000 £182,000 £289,000
£1,000 £69,300 £162,000 £291,000 £461,000
£1,500 £103,000 £231,000 £391,000 £586,000
£1,600 £107,000 £236,000 £397,000 £593,000
Annual investment growth of 5%, we have assumed that your monthly contribution will increase annually by 3% inflation. 

Single contributions


 Fund value after
5 years 10 years 15 years 20 years
£20 £23 £28 £33 £41
£50
 £59 £70 £84 £103
£100
 £118 £140 £169 £206
£200 £236 £280 £339 £412
£500 £591 £700 £849 £1,030
£1,000 £1,180 £1,400 £1,690 £2,060
£5,000 £5,910 £7,000 £8,490 £10,300
£7,500 £8,870 £10,500 £12,700 £15,400
£15,000 £17,700 £21,000 £25,400 £30,900
£20,000 £23,600 £28,000 £33,900 £41,200

Monthly contributions 

  
Fund value after
5 years 10 years 15 years 20 years
£20 £1,540 £4,080 £8,260 £14,800
£50
 £3,870 £10,200 £20,600 £37,000
£100
 £7,740 £20,400 £41,300 £74,000
£150 £11,600 £30,600 £61,900 £111,000
£200
 £15,400 £40,800 £82,600 £148,000
£500 £38,700 £102,000 £206,000 £370,000
£625 £48,300 £127,000 £258,000 £462,000
£1,000 £77,400 £204,000 £403,000 £683,000
£1,500 £113,000 £271,000 £498,000 £816,000
£1,600 £116,000 £276,000 £504,000 £824,000
Annual investment growth of 8%, we have assumed that your monthly contribution will increase annually by 5% inflation. 

Single contributions


 Fund value after
5 years 10 years 15 years 20 years
£20 £27 £37 £51 £72
£50
 £68 £92 £129 £181
£100
 £136 £185 £259 £362
£200 £272 £371 £518 £724
£500 £681 £928 £1,290 £1,810
£1,000 £1,360 £1,850 £2,590 £3,620
£5,000 £6,810 £9,280 £12,900 £18,100
£7,500 £10,200 £13,900 £19,400 £27,100
£15,000 £20,400 £27,800 £38,900 £54,300
£20,000 £27,200 £37,100 £51,800 £72,400

These projections apply for both our Stakeholder ISA and our Shariah ISA.

How we calculated these figures

  • The figures on the right give you an idea of how much your Plan could be worth in 10 years, assuming an annual management charge of 1.5% 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%.
  • Inflation could reduce what you could buy in the future.
  • The figures are only illustrative and not guaranteed. You may get back less than has been paid in, this is dependent on the funds’ performance.
  • Every year you will receive a statement showing the value of the ISA, however you can see this at any time on MyPlans.
  • Charges may vary in the future.

Stocks and Shares Lifetime ISA

Monthly contributions

  Start saving from age...
18 20 25 30 35 39
Value after 5 years
 £20 £1,590 £1,590 £1,590 £1,590 £1,590 £1,590
£50 £3,980 £3,980 £3,980 £3,980 £3,980 £3,980
£100 £7,970 £7,970 £7,970 £7,970 £7,970 £7,970
£150 £11,900 £11,900 £11,900 £11,900 £11,900 £11,900
£300 £23,900 £23,900 £23,900 £23,900 £23,900 £23,900
Value after 10 years £20 £3,430 £3,430 £3,430 £3,430 £3,430 £3,430
£50  £8,590 £8,590 £8,590 £8,590 £8,590 £8,590
£100  £17,100 £17,100
 £17,100
 £17,100
 £17,100
 £17,100
£150  £25,700 £25,700
 £25,700
 £25,700
 £25,700
 £25,700
£300 £49,800 £49,800
 £49,800
 £49,800
 £49,800
 £49,800
Value after 20 years £20  £8,300 £8,300 £8,300 £8,300 £5,960 £4,210
£50  £20,700 £20,700
 £20,700
 £20,700
 £14,900 £10,500
£100 £41,500 £41,500
 £41,500
 £41,500
 £29,800 £21,000
£150 £62,200 £62,200
 £62,200
 £62,200
 £44,700 £31,500
£300 £107,000 £107,000
 £107,000
 £107,000
 £81,800 £60,300
 Value up to age 60 £20 £18,200 £16,400 £12,500 £9,150 £6,260 £4,250
£50 £45,500 £41,100 £31,300 £22,800 £15,600 £10,600
£100 £91,000 £82,200 £62,600 £45,700 £31,300 £21,200
£150 £136,000 £123,000 £93,900 £68,600 £46,900 £31,900
£300  £203,000 £188,000 £152,000 £118,000 £85,800 £60,900

Single contribution

  Start saving from age...
18 20 25 30 35 39
Value after 5 years
 £20 £26 £26 £26 £26 £26 £26
£100 £127 £127 £127 £127 £127 £127
£500 £639 £639 £639 £639 £639 £639
£2,000 £2,550 £2,550 £2,550 £2,550 £2,550 £2,550
£4,000 £5,110 £5,110 £5,110 £5,110 £5,110 £5,110
Value after 10 years £20 £26 £26 £26 £26 £26 £26
£100  £131 £131 £131 £131 £131 £131
£500  £655 £655
 £655
 £655
 £655
 £655
£2,000  £2,620 £2,620
 £2,620
 £2,620
 £2,620
 £2,620
£4,000 £5,240 £5,240
 £5,240
 £5,240
 £5,240
 £5,240
Value after 20 years £20  £29 £29 £29 £29 £29 £29
£100  £144 £144
 £144
 £144
 £144 £144
£500 £722 £722
 £722
 £722
 £722 £722
£2,000 £2,880 £2,880
 £2,880
 £2,880
 £2,880 £2,880
£4,000 £5,770 £5,770
 £5,770
 £5,770
 £5,770 £5,770
 Value up to age 60 £20 £36 £35 £33 £32 £30 £29
£100 £178 £175 £167 £159 £151 £145
£500 £894 £877 £835 £796 £758 £729
£2,000 £3,570 £3,510 £3,340 £3,180 £3,030 £2,910
£4,000  £7,150 £7,020 £6,680 £6,360 £6,060 £5,830

Stocks and Shares Lifetime ISA

Monthly contributions

  Start saving from age...
18 20 25 30 35 39
Value after 5 years
 £20 £1,730 £1,730 £1,730 £1,730 £1,730 £1,730
£50 £4,330 £4,330 £4,330 £4,330 £4,330 £4,330
£100 £8,660 £8,660 £8,660 £8,660 £8,660 £8,660
£150 £13,000 £13,000 £13,000 £13,000 £13,000 £13,000
£300 £25,900 £25,900 £25,900 £25,900 £25,900 £25,900
Value after 10 years £20 £4,060 £4,060 £4,060 £4,060 £4,060 £4,060
£50  £10,100 £10,100 £10,100 £10,100 £10,100 £10,100
£100  £20,300 £20,300
 £20,300
 £20,300
 £20,300
 £20,300
£150  £30,400 £30,400
 £30,400
 £30,400
 £30,400
 £30,400
£300 £57,900 £57,900
 £57,900
 £57,900
 £57,900
 £57,900
Value after 20 years £20  £11,500 £11,500 £11,500 £11,500 £8,850 £6,570
£50  £28,900 £28,900
 £28,900
 £28,900
 £22,100 £16,400
£100 £57,900 £57,900
 £57,900
 £57,900
 £44,200 £32,800
£150 £86,800 £86,800
 £86,800
 £86,800
 £66,300 £49,200
£300 £146,000 £146,000
 £146,000
 £146,000
 £118,000 £92,600
 Value up to age 60 £20 £41,400 £36,200 £25,400 £17,000 £10,700 £6,830
£50 £103,000 £90,500 £63,400 £42,600 £26,800 £17,000
£100 £207,000 £181,000 £126,000 £85,300 £53,600 £34,100
£150 £308,000 £271,000 £190,000 £127,000 £80,500 £51,100
£300  £456,000 £408,000 £302,000 £215,000 £144,000 £96,200

Single contribution

  Start saving from age...
18 20 25 30 35 39
Value after 5 years
 £20 £30 £30 £30 £30 £30 £30
£100 £147 £147 £147 £147 £147 £147
£500 £739 £739 £739 £739 £739 £739
£2,000 £2,950 £2,950 £2,950 £2,950 £2,950 £2,950
£4,000 £5,910 £5,910 £5,910 £5,910 £5,910 £5,910
Value after 10 years £20 £35 £35 £35 £35 £35 £35
£100  £175 £175 £175 £175 £175 £175
£500  £875 £875
 £875
 £875
 £875
 £875
£2,000  £3,500 £3,500
 £3,500
 £3,500
 £3,500
 £3,500
£4,000 £7,000 £7,000
 £7,000
 £7,000
 £7,000
 £7,000
Value after 20 years £20  £52 £52 £52 £52 £52 £52
£100  £257 £257
 £257
 £257
 £257 £257
£500 £1,280 £1,280
 £1,280
 £1,280
 £1,280 £1,280
£2,000 £5,150 £5,150
 £5,150
 £5,150
 £5,150 £5,150
£4,000 £10,300 £10,300
 £10,300
 £10,300
 £10,300 £10,300
 Value up to age 60 £20 £120 £111 £92 £76 £63 £54
£100 £604 £559 £461 £379 £312 £268
£500 £3,020 £2,790 £2,300 £1,890 £1,560 £1,340
£2,000 £12,000 £11,100 £9,220 £7,590 £6,250 £5,360
£4,000  £24,100 £22,300 £18,400 £15,100 £12,500 £10,700

Stocks and Shares Lifetime ISA

Monthly contributions

  Start saving from age...
18 20 25 30 35 39
Value after 5 years
 £20 £1,930 £1,930 £1,930 £1,930 £1,930 £1,930
£50 £4,840 £4,840 £4,840 £4,840 £4,840 £4,840
£100 £9,670 £9,670 £9,670 £9,670 £9,670 £9,670
£150 £14,500 £14,500 £14,500 £14,500 £14,500 £14,500
£300 £28,300 £28,300 £28,300 £28,300 £28,300 £28,300
Value after 10 years £20 £5,100 £5,100 £5,100 £5,100 £5,100 £5,100
£50  £12,700 £12,700 £12,700 £12,700 £12,700 £12,700
£100  £25,500 £25,500
 £25,500
 £25,500
 £25,500
 £25,500
£150  £38,300 £38,300
 £38,300
 £38,300
 £38,300
 £38,300
£300 £67,900 £67,900
 £67,900
 £67,900
 £67,900
 £67,900
Value after 20 years £20  £18,500 £18,500 £18,500 £18,500 £14,400 £10,900
£50  £46,200 £46,200
 £46,200 £46,200
 £36,000 £27,200
£100 £92,500 £92,500
 £92,500
 £92,500
 £72,100 £54,400
£150 £137,000 £137,000
 £137,000
 £137,000
 £108,000 £81,700
£300 £204,000 £204,000
 £204,000
 £204,000
 £174,000 £142,000
 Value up to age 60 £20 £117,000 £97,700 £60,600 £36,100 £20,100 £11,600
£50 £293,000 £244,000 £151,000 £90,300 £50,400 £29,100
£100 £572,000 £482,000 £303,000 £180,000 £100,000 £58,200
£150 £779,000 £663,000 £433,000 £268,000 £151,000 £87,400
£300  £1,060,000 £917,000 £614,000 £398,000 £243,000 £151,000

Single contribution

  Start saving from age...
18 20 25 30 35 39
Value after 5 years
 £20 £34 £34 £34 £34 £34 £34
£100 £170 £170 £170 £170 £170 £170
£500 £851 £851 £851 £851 £851 £851
£2,000 £3,400 £3,400 £3,400 £3,400 £3,400 £3,400
£4,000 £6,810 £6,810 £6,810 £6,810 £6,810 £6,810
Value after 10 years £20 £46 £46 £46 £46 £46 £46
£100  £232  £232  £232  £232  £232  £232
£500  £1,160  £1,160
  £1,160
  £1,160
  £1,160
  £1,160
£2,000  £4,640  £4,640
  £4,640  £4,640
  £4,640
  £4,640
£4,000 £9,280 £9,280
 £9,280
 £9,280
 £9,280
 £9,280
Value after 20 years £20  £91 £91 £91 £91 £91 £91
£100  £453 £453
 £453
 £453
 £453 £453
£500 £2,260 £2,260
 £2,260
 £2,260
 £2,260 £2,260
£2,000 £9,060 £9,060
 £9,060
 £9,060
 £9,060 £9,060
£4,000 £18,100 £18,100
 £18,100
 £18,100
 £18,100 £18,100
 Value up to age 60 £20 £394 £345 £247 £176 £126 £97
£100 £1,970 £1,720 £1,230 £884 £632 £484
£500 £9,870 £8,630 £6,170 £4,420 £3,160 £2,420
£2,000 £39,400 £34,500 £24,700 £17,600 £12,600 £9,680
£4,000  £78,900 £69,000 £49,400 £35,300 £25,300 £19,300

These projections apply for both Stakeholder Lifetime ISA and our Shariah Lifetime ISA.

How we calculated these figures

  • The figures on the right give you an idea of how much your Plan could be worth in 10 years, assuming an annual management charge of 1.5% 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%.
  • Inflation could reduce what you could buy in the future.
  • The figures are only illustrative and not guaranteed. You may get back less than has been paid in, this is dependent on the funds’ performance.
  • Every year you will receive a statement showing the value of the ISA, however you can see this at any time on MyPlans.
  • Charges may vary in the future.

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 18 years
£10 £15.21 £638 £1,370 £2,880
£20
 £30.43 £1,270 £2,750 £5,760
£50
 £76.08 £3,190 £6,870 £14,400
£100 £152.16 £6,380 £13,700 £28,800
£350
 £532.56 £22,300 £48,100 £100,000
£500 £750 £31,900 £68,700 £143,000
£750 £750 £45,500 £92,100 £174,000
Annual investment growth of 2%, we have assumed that your monthly contribution will increase annually by 2.5% inflation. 
 

Single contributions


 Fund value after
5 years 10 years 18 years
£20 £20 £20 £22
£50
 £51 £52 £56
£100
 £102 £104 £113
£500 £511 £524 £566
£1,000 £1,020 £1,040 £1,130
£3,000 £3,070 £3,140 £3,390
£9,000 £9,210 £9,430 £10,100

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 18 years
£10 £16.54 £693 £1,620 £3,890
£20
 £33.09 £1,380 £3,250 £7,780
£50
 £82.67 £3,460 £8,120 £19,400
£100 £165.28 £6,930 £16,200 £38,800
£350
 £578.49 £24,200 £56,800 £136,000
£500 £750 £34,600 £81,200 £192,000
£750 £750 £49,000 £107,000 £230,000
Annual investment growth of 5%, we have assumed that your monthly contribution will increase annually by 3% inflation.
 

Single contributions


 Fund value after
5 years 10 years 18 years
£20 £23 £28 £38
£50
 £59 £70 £95
£100
 £118 £140 £190
£500 £591 £700 £954
£1,000 £1,180 £1,400 £1,900
£3,000 £3,550 £4,200 £5,720
£9,000 £10,600 £12,600 £17,100

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 18 years
£10 £22.94 £774 £2,040 £5,920
£20
 £45.86 £1,540 £4,080 £11,800
£50
 £114.61 £3,870 £10,200 £29,600
£100 £229.23 £7,740 £20,400 £59,200
£350
 £750 £27,100 £71,500 £206,000
£500 £750 £38,700 £101,000 £269,000
£750 £750 £52,800 £124,000 £308,000
Annual investment growth of 8%, we have assumed that your monthly contribution will increase annually by 5% inflation.
 

Single contributions


 Fund value after
5 years 10 years 18 years
£20 £27 £37 £63
£50
 £68 £93 £158
£100
 £136 £185 £317
£500 £681 £928 £1,580
£1,000 £1,360 £1,850 £3,170
£3,000 £4,080 £5,560 £9,510
£9,000 £12,200 £16,700 £28,500

These projections apply for both our Stakeholder Junior ISA and our Shariah Junior ISA.

Junior ISA Calculator

See how much money your child could have at age 18 when you save in a Forester Life Stakeholder or Shariah Junior ISA.

How we calculate these figures

  • 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 illustrative 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.
  • 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 gifter(s).

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 18 years
£10 £15.21 £638 £1,370 £2,880
£20
 £30.43 £1,270 £2,750 £5,760
£50
 £76.08 £3,190 £6,870 £14,400
£100 £152.16 £6,380 £13,700 £28,800
£350
 £532.56 £22,300 £48,100 £100,000
£500 £750 £31,900 £68,700 £143,000
£750 £750 £45,500 £92,100 £174,000
Annual investment growth of 2%, we have assumed that your monthly contribution will increase annually by 2.5% inflation. 
 

Single contributions


 Fund value after
5 years 10 years 18 years
£20 £20 £20 £22
£50
 £51 £52 £56
£100
 £102 £104 £113
£500 £511 £524 £566
£1,000 £1,020 £1,040 £1,130
£3,000 £3,070 £3,140 £3,390
£9,000 £9,210 £9,430 £10,100

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 18 years
£10 £16.54 £693 £1,620 £3,890
£20
 £33.09 £1,380 £3,250 £7,780
£50
 £82.67 £3,460 £8,120 £19,400
£100 £165.28 £6,930 £16,200 £38,800
£350
 £578.49 £24,200 £56,800 £136,000
£500 £750 £34,600 £81,200 £192,000
£750 £750 £49,000 £107,000 £230,000
Annual investment growth of 5%, we have assumed that your monthly contribution will increase annually by 3% inflation.
 

Single contributions


 Fund value after
5 years 10 years 18 years
£20 £23 £28 £38
£50
 £59 £70 £95
£100
 £118 £140 £190
£500 £591 £700 £954
£1,000 £1,180 £1,400 £1,900
£3,000 £3,550 £4,200 £5,720
£9,000 £10,600 £12,600 £17,100

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 18 years
£10 £22.94 £774 £2,040 £5,920
£20
 £45.86 £1,540 £4,080 £11,800
£50
 £114.61 £3,870 £10,200 £29,600
£100 £229.23 £7,740 £20,400 £59,200
£350
 £750 £27,100 £71,500 £206,000
£500 £750 £38,700 £101,000 £269,000
£750 £750 £52,800 £124,000 £308,000
Annual investment growth of 8%, we have assumed that your monthly contribution will increase annually by 5% inflation.
 

Single contributions


 Fund value after
5 years 10 years 18 years
£20 £27 £37 £63
£50
 £68 £93 £158
£100
 £136 £185 £317
£500 £681 £928 £1,580
£1,000 £1,360 £1,850 £3,170
£3,000 £4,080 £5,560 £9,510
£9,000 £12,200 £16,700 £28,500

These projections apply to the Forester Life Child Trust Fund

Child Trust Fund Calculator

See how much money you could save for your child, give them a lump sum at 18 to start adulthood.

How we calculated these figures

  • 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 an annual inflation increase of monthly contribution:
    • 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 illustrative 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.
  • If the Plan has received any contribution in the birthday year and the Plan value exceeds £300, we will send you a Plan statement. We will also issue statements on your child’s 16th birthday, and just before they reach 18, however you can see this at any time on MyPlans.
  • The Forester Life Child Trust Fund stakeholder accounts meet the standard for ‘capped charges’. There is 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.
  • Charges may vary in the future, subject to stakeholder rules.
  • All payments are locked into the Plan until the child’s 18th birthday and cannot be reclaimed by the gifter(s).
  • These figures do not take into account any Government payments made into the Child Trust Fund.

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 20 years
£10 £15.98 £630 £1,340 £3,170
£20
 £31.97 £1,260 £2,680 £6,340
£50
 £79.93 £3,150 £6,710 £15,800
£100 £159.86  £6,300 £13,400 £31,700
£500
 £799.32 £31,500 £67,100 £158,000
£1,000 £1,598.65 £63,000 £134,000 £317,000
£5,000 £7,993.26 £315,000 £671,000 £1,580,000
Annual investment growth of 1.5%, we have assumed that your monthly contribution will increase annually by 2.5% inflation. 
 

Single contributions


 Fund value after
5 years 10 years 20 years
£20 £19 £19 £20
£50
 £49 £49 £52
£100
 £99 £99 £104
£500 £499 £498 £523
£1,000 £998 £997 £1,040
£5,000 £4,990 £4,980 £5,230
£10,000 £9,980 £9,970 £10,400
£20,000  £19,900   £19,900 £20,900 

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 20 years
£10 £17.55 £685 £1,580 £4,410
£20
 £35.10 £1,370 £3,170 £8,830
£50
 £87.70 £3,420 £7,920 £22,000
£100 £175.35 £6,850 £15,800 £44,100
£500
 £876.75 £34,200 £79,200 £220,000
£1,000 £1,753.52 £68,500 £158,000 £441,000
£5,000 £8,767.57 £342,000 £792,000 £2,200,000
Annual investment growth of 4.5%, we have assumed that your monthly contribution will increase annually by 3% inflation. 
 

Single contributions


 Fund value after
5 years 10 years 20 years
£20 £23 £26 £37
£50
 £57 £66 £93
£100
 £115 £133 £187
£500 £577 £667 £937
£1,000 £1,150 £1,330 £1,870
£5,000 £5,770 £6,670 £9,370
£10,000 £11,500 £13,300 £18,700
£20,000  £23,100  £26,700 £37,500 

Monthly contributions 

  
Fund value after
Final premium  5 years 10 years 20 years
£10 £25.29 £765 £1,990 £7,050
£20
 £50.56 £1,530 £3,990 £14,100
£50
 £126.36 £3,820 £9,970 £35,200
£100 £252.72 £7,650 £19,900 £70,500
£500
 £1,263.98 £38,200 £99,700 £352,000
£1,000 £2,526.98 £76,500 £199,000 £705,000
£5,000 £12,634.74 £382,000 £997,000 £3,520,000
Annual investment growth of 7.5%, we have assumed that your monthly contribution will increase annually by 5% inflation. 
 

Single contributions


 Fund value after
5 years 10 years 20 years
£20 £26 £35 £66
£50
 £66 £88 £165
£100
 £133 £177 £330
£500 £665 £885 £1,650
£1,000 £1,330 £1,770 £3,300
£5,000 £6,650 £8,850 £16,500
£10,000 £13,300 £17,700 £33,000
£20,000  £26,600  £35,400 £66,000 

These projections apply for our Stakeholder Savings & Investment Plan and our Shariah Savings & Investment Plan.

How we calculated these figures

  • 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 an annual inflation increase of monthly contributions:       
    • 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 illustrative and not guaranteed. You may get back less or more, this is dependent on the funds performance.
  • Inflation could reduce what you could buy in the future.
  • Every year you will receive a statement showing the value of the Plan, however you can see this at any time on MyPlans.
  • Charges may vary in the future.

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