Save for your future
Our ISA gives you the option to open a Stocks and Shares ISA, a Lifetime ISA or both within one Plan. Investing carries risk.
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Our Stakeholder ISA
A Stocks and Shares ISA and a Lifetime ISA
Our ISA is the only ISA on the market where you can have a Stocks and Shares ISA and/or a Lifetime ISA in the same Plan. It is available for those 18 or over and a UK resident, for the Lifetime ISA you need to be under age 40.
Investing for a better return
By investing in stocks and shares there is potential for growth that is free of UK income and capital tax. It is recommended to invest for the medium to long-term, helping to offer more potential for growth than saving in a bank or building society. You have the choice of two funds; one has a sustainable approach and both are looked after by the investment professionals. There is an annual management charge of 1.5% which reduces to 1% after 10 years, with no other charges.
Save up to £20,000 each year
Our ISA could be a great way for you to build up a lump sum for the future – whatever your savings goals you can start saving from £20 up to the overall allowance of £20,000 (of which £4,000 can be saved into the Lifetime ISA).
Become a Foresters member
By opening an ISA with us you will become a member, and will have access to a range of exclusive benefits, including a well-being app where you can earn rewards – because we are more than just a financial services provider. Take a look at the member benefits >
Stakeholder Stocks and Shares ISA
Whatever your savings goal, a Stocks and Shares ISA allows you to save up to £20,000 each tax year tax-efficiently. You must be 18 or over and a UK resident to have an ISA.
You can start saving from as little as £20, with flexible contribution options and you can access the money should you need it.
Is a Stocks and Shares ISA right for me?
✓ Want to save for your future (5+ years)
✓ Looking for low minimum contributions
✓ One, simple annual management charge
✓ UK resident, aged 18 or over
✓ Access to money when needed
✓ Looking for straightforward investing
Stakeholder Lifetime ISA
If you are looking to save towards your first home, or an additional lump sum for later on in life the Lifetime ISA could be the right choice for you. The Government give a 25% bonus to any contributions (up to £1,000 each tax year), to help you build your savings pot.
You must be aged 18 to 39 and a UK resident to open the Lifetime ISA. You can use your Stakeholder Lifetime ISA to buy your first home worth up to £450,000 and/or save until your 50th birthday and access the money at age 60.
Is a Stakeholder Lifetime ISA right for me?
✓ Want to save towards your first home and/or for age 60
✓ Want an added 25% government bonus
✓ Looking for low minimum contributions
✓ One, simple annual management charge
✓ UK resident, aged 18-39
✓ Looking for straightforward investing
With an ISA 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.
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 a withdrawal from the Lifetime ISA before age 60, other than to purchase your first home, you will pay a government penalty of 25% on the withdrawal amount, and you may get back less than you paid in.
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 a withdrawal from the Lifetime ISA before age 60, other than to purchase your first home, you will pay a government penalty of 25% on the withdrawal amount, and you may get back less than you paid in.
Start saving for your future
Invest in one fund or a combination of the two, it’s up to you.
Foresters Stakeholder (Schroders) Managed Fund
A global, straightforward fund designed for Foresters customers.
- Choose to invest your savings fully or partially in this fund.
- Invest over the medium to long-term in a professionally managed fund by Schroders.
- Considers ESG factors with 45-60% invested in shares.
Foresters Stakeholder (Schroders) Sustainable Future Managed Fund
Invest in your future in a fund that has a focus on sustainability.
- Choose to invest your savings fully or partially in this fund.
- Invest over the medium to long-term in a professionally managed fund by Schroders.
- Considers ESG factors with 0-60% invested in shares.
Want to save in our Shariah ISA?
We also offer an ISA that invests in a Shariah compliant fund. Find out more about how you can invest towards your future.
Manage your savings with MyPlans
View the ISA value, make contributions, view fund performance, documents, and so much more.
Existing customer? Login to MyPlans >
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