Invest in your future with a Stocks and Shares ISA

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. Once we have received all the necessary documents from yourself to perform the required security checks, we aim to process withdrawals within 5 working days. It can then take 3-5 working days 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. 

Transfer to our ISA

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.