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Your savings are balanced between stocks and shares and fixed interest holdings by the experienced fund management team at Schroders.

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Our ISA offers you a simple and affordable way of building up a tax-free lump sum for the future. By taking out one of our ISAs, you’ll become a member of Foresters Financial. Foresters Financial help everyday families achieve their financial goals and make a lasting difference in their lives and communities.

If you are over 18, a UK resident for tax purposes and saving for the medium to long-term, our ISA may be suitable. If you are under 40 our ISA combines both a Stocks and Shares element and a Lifetime element – this allows you to have two types of ISAs in one place.

Setting up an ISA is quick and easy. Your Plan can be managed online 24/7, payments can start saving from as little as £20 and are flexible to suit your needs.

Not only can you be confident that we are a financially secure choice to hold your ISA, but we also offer you the expertise of Schroders. They will do all the investing on your behalf so you don’t have to make the time consuming and risky decisions yourself – let the experts do it for you.

Even if you already have a Cash or an Innovative Finance ISA you are still able to take out our ISA. Of course if you already have a Stocks and Shares ISA or a Cash ISA, you may want to consider transferring to us. We make no charge for any transfer. Click here to find out more about transferring to us >

Important documents

   ISA Brochure

   ISA Key Information Document

   ISA Terms and Conditions

Open an ISA

If you’d prefer to discuss your requirements with someone, one of our Financial Advisers can visit you at home at your convenience.
Request an adviser to discuss our ISA >

Do you have an ISA with us? You can view your ISA online with a My Plans account. 

Set up a My Plans account

Compare Stocks and Shares and Lifetime ISA elements

savings and investing couple

Stocks and Shares ISA

The Stocks and Shares element is available to anyone who is over 18 and a UK resident for tax purposes.

✓ Save for a special occasion, a rainy day or something more exciting

✓ Contribute up to £20,000 this tax year for the overall ISA allowance

Find out more
LISA jar

Lifetime ISA

The Lifetime element is available to anyone aged between 18 and 39 and a UK resident for tax purposes.

✓ Save for your first home and/or for later on in life

✓ Contribute up to £4,000 each tax year with a 25% bonus from the government. Every £4 you save they will add £1

Find out more

Stocks and Shares ISA

A Stocks and Shares ISA is a tax-efficient savings account which allows you to save up to £20,000 this tax year. By investing in a Stocks and Shares ISA there is potential of growth which doesn’t count to your overall allowance.

If you are investing for the medium to long-term, our ISA may be more suitable for you, by offering more potential for growth rather than saving in a bank or building society account where inflation could eat away at the interest made. Schroders, the experienced fund management team aim for the investment to generate a steady growth over the medium to longer-term, meaning your savings could start to add up quickly, making your plans more of a reality.

With savings starting from as little as £20, the Stocks and Shares element could be the best way for you to meet your savings goal; whether this is saving for the future, a rainy day or something exciting, such as an around the world trip, our Stocks and Shares ISA could be a great way for you to build up a lump sum.

We’d recommend that you invest for the medium to long term, although this ISA offers you the flexibility to withdraw money whenever you need it.

Open a Stocks and Shares ISA

Lifetime ISA

The Lifetime element 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 Lifetime ISA benefits from additional contributions made by the Government.

The Government offers a 25% bonus added to all amounts invested into the Lifetime element, up to the maximum £4,000 per year. That’s £1 for every £4 you contribute, which means that if you start saving from age 18 and continue contributing the maximum up to age 50, a further £32,000 would be added from the Government. As the Government’s contribution does not count to your overall ISA limit, you can save even more into your ISA by contributing to the Stocks and Shares element.

As the Lifetime ISA limit applies to each individual, you and a partner (if eligible) can both have a separate Lifetime ISA and combine your savings to purchase a first home together in the UK up to £450,000.

If you are saving for later on in life, you can contribute up until age 50, and the Government will continue to contribute up to this age as well. The savings can be withdrawn tax-free any time after your 60th birthday.

Open a Lifetime ISA

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You need to hold a Lifetime ISA for at least 12 months before using it towards the purchase of a new home.

If you save into the Lifetime element for later on in life, instead of enrolling in, or contributing to a qualifying scheme, workplace pension or personal pension scheme you could lose the benefit of contributions by an employer to that scheme.

Unlike a qualifying pension scheme, workplace pension or personal pension scheme the value of a Lifetime ISA, including the Government bonus, could impact current and future entitlement to means tested benefits, which are affected if the value is over £6,000.

If you withdraw money from the Lifetime ISA element for any reason other than a deposit on your first home, or before age 60, then a Government charge of 25% will be applied to the amount of the withdrawal, and you may get back less than you have paid into the Lifetime ISA element.

The value of your investment can fall as well as rise, and as with all stock market investments you may get back less than paid in. Inflation could reduce what you can buy in the future. Tax treatment depends on individual circumstances and may be subject to change in the future.

Save for your child's future as well as yourself Open a Junior ISA