Stocks and Shares ISA
Invest in your future with our Stocks and Shares ISA to save for something special or simply for a rainy day. Capital at risk.
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A Stocks and Shares ISA is a tax-efficient, long-term savings account available to UK residents aged 18 and over. You may save up to £20,000 this tax year either into a Stocks and Shares ISA or a combination of different types of ISAs, including a Stocks and Shares ISA.
A Stocks and Shares ISA with Foresters Financial is simple and affordable, where you can start saving from as little as £20 into a professionally managed fund. Our fund managers Schroders take investing seriously and will make the investment decisions for you, including putting sustainability at the forefront.
Our ISA is also the only ISA on the market which allows you to open a Stocks and Shares ISA and Lifetime ISA (if eligible) under one Plan. Find out more about our Lifetime ISA
You become a member
By saving with us, you become a member and join a mutual organisation whose Purpose is to enrich family and community well-being. You will have access to a range of exclusive benefits, such as volunteer grants, member discounts and will writing – just to name a few! Take a look at the member benefits
Transfer to our Stocks and Shares ISA
If you already have an ISA with another provider, it is possible to transfer your ISA to Forester Life. We accept Stocks and Shares ISA and Cash ISA transfers into our ISA and do not charge entry, exit and transfer fees.
If you would like to transfer your ISA to us, please read the important documents and complete the ISA Transfer form. Once the Plan is set up, you can activate your online MyPlans account.
Important documents
Our ISA
Our ISA is the only ISA on the market which gives you flexibility of combining a Stocks and Shares ISA and Lifetime ISA under one Plan. Therefore if eligible and you would like to save for a first home or later on in life, you can open the Lifetime ISA element as part of your Foresters ISA Plan too. Your overall ISA allowance is £20,000, of which no more than £4,000 can be invested in the Lifetime ISA element. This means you can save for a rainy day or something exciting in your Stocks and Shares ISA element, while also saving for a first home and/or later on in life in the Lifetime ISA element.
Flexible business to suit you
We offer a range of flexible ways for you to do business with us and contribute to your ISA, including online, over the phone, face-to-face or by video appointment. The choice is yours.
You can view your ISA online by simply activating your MyPlans account. With MyPlans you can make payments online, view your Plan value, see the fund performance, investment information, reduce paper and more. To activate your account, all you need is your Plan number and details at the ready.
We are also proud to offer a personal financial planning service either through face-to-face or video appointments, where one of our Financial Advisers can discuss your options at your convenience. As they are paid directly there is no charge for any advice given.
A Lifetime ISA must be held for at least 12 months before using it towards the purchase of a first home. By saving into a Lifetime ISA instead of a workplace pension, you could lose the benefit of employer contributions and the value could affect any entitlement to means tested benefits. If you make an encashment before age 60, other than to purchase your first home, you will pay a government penalty of 25% on the encashment amount, and you may get back less than you paid in. Tax treatment depends on individual circumstances and may be subject to change. As with all stock market investments the value of your ISA can fall as well as rise.
Guide to ISAs
ISAs are an excellent way of saving. But did you know you have a choice of five ISAs suitable from Lifetime ISAs to Junior ISAs. Take a look for more information.
Money made simple
Investment and money-saving tips from Schroders, one of our fund managers. The MoneyLensopens in new window team's mission is to help you take control of your financial future with the help of their jargon-free guidesopens in new window.
We're making a difference
Foresters is not just a financial services organisation, our Purpose is to enrich family and community well-being. Helping is who we are, and it’s been so since the very beginning, since 1874.