Junior ISA

Helping you save for those milestones that are beyond their first tooth, words and steps.

Open a Junior ISA

Transfer a CTF to our Junior ISA

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Investing in their future

A Junior ISA with Foresters is a tax-efficient savings account for adults to save on behalf of a child starting from as little as £10 a month up to £9,000 this tax year. Friends and family can contribute too – helping to build up your child's savings pot.

We help make investing easy and offer a professionally managed fund, in which the experts at Schroders make investment decisions on your behalf. With a risk-controlled and sustainable approach, no more than 60% of your child’s savings will be invested in shares – protecting against market fluctuations but giving the opportunity for growth.

By saving for your child's future with us you will join a mutual organisation whose Purpose is to enrich family and community well-being. We look after our members by helping them save for the future, protect their families, as well as by actively giving back and making a difference in the communities they live in, find out more about Foresters >

Open a Junior ISA with Foresters

1

Make sure to read the...
Brochure
Key Information Document
Terms and Conditions

2

Complete our simple online Junior ISA application with MyPlans in under 10 minutes. Or meet with one of our Financial Advisers >

3

Select your payment options, set up a Direct Debit or make a single contribution in a few simple clicks.

4

Let family and friends know they can pay into the Plan too. It`s as simple as setting up a gifters account >

Open a Junior ISA

Saving with Foresters

✔ Foresters look after 1.5 million children’s savings

✔ Save from as little as £10 a month or £20 for single contributions

✔ 24/7 online account to manage the Plan and make payments in a few clicks

✔ Sustainable investing, professionally managed by the experts at Schroders

✔ Option to speak to a personal Financial Adviser for financial advice

✔ The child will have access to the money at age 18

Watch Annie explain our Junior ISA and why her parents are superheroes - and how you can become one too >

Tax treatment depends on individual circumstances and may be subject to change in the future. As with all stock market investments the value of your child’s Junior ISA can fall as well as rise and you may get back less than has been paid in.

Are you 18 or approaching age 18 ? Find out more about your options

Junior ISA FAQs

How much can I save?

Start saving from as little as £10 a month up to £9,000 this tax year. Family and friends can contribute too. Visit our top up page >

Find out how much your child's Junior ISA could be worth with our Junior ISA calculator >

What are the charges?

We have no hidden charges. Our Junior ISA only has a 1.5% annual management charge reducing to 1% after 10 years, with no other charges.

How can I view my child’s ISA value?

You have access to an online account, MyPlans, where you can view the Plan value, fund performance and more.

You also have the choice to meet with one of our Financial Advisers. As they are paid directly there is no charge for any advice given. Request a visit >

Can grandparents open a Junior ISA?

A Junior ISA can only be opened by someone with legal parental responsibility. However grandparents can contribute to Junior ISAs for grandchildren. Find out how you can save for your grandchild’s future >

Why choose stocks and shares over cash?

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 111 years, the probability of stocks and shares outperforming cash was 91% (Barclays Equity Gilt Study 2020).

Can I transfer my child’s Junior ISA to Foresters?

You can transfer an existing Junior ISA into a Junior ISA with Foresters online or with a Financial Adviser. We don’t charge entry, exit or transfer fees. Visit our children’s transfer page for more information >

Is my money protected?

Our Junior 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 Junior ISA from the FSCS.

What happens at age 18?

At age 18 the Junior ISA will automatically roll into an Adult ISA and your child will have access to the money, where they can choose to use it towards university, their first home and/or to continue to save. For more information visit our Junior ISA Hub >

For more information visit our Junior ISA FAQs >

Junior ISA - Options

The Junior ISA - Options was transferred to Forester Life from The Children's Mutual in January 2017. The Junior ISA - Options is no longer open to new business, however you can continue to contribute to your child's Plan with us and help give them a head start in adult life. For more information, please refer to our Junior ISA - Options Brochure and Junior ISA - Options Terms and Conditions.

You can view your child's Junior ISA - Options online by creating your online My Plans account.

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Guide to Junior ISAs

Take a look at the 18 important things that you need to know about Junior ISAs before they turn 18, from the different types of savings to when your child can access their money.

Read our article

Money made simple

Investment and money-saving tips from Schroders, one of our fund managers. The MoneyLens team's mission is to help you take control of your financial future with the help of their jargon-free guides.

Find out more

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.