a head start
in life

Give your children a great start in life, and help them achieve their hopes and dreams.

Our Junior ISA is a savings initiative designed to allow adults to save on behalf of a child, and is available to those without a Child Trust Fund. A lump sum pay-out when they reach 18 can open up a range of opportunities from helping with university fees, a gap year, or a car.

Clear, simple savings with a Forester Life Junior ISA

Foresters is a mutual organisation, looking after their members for over 140 years.

Our Junior ISA is designed to be a straightforward and flexible way to invest for your child’s future. Not only do we offer you our experience, financial strength and reliability, we also offer the expertise of Schroders – one of Europe’s leading independent investment managers.

Your savings will be balanced between stocks and shares and fixed interest holdings by the experienced fund management team at Schroders, giving the potential for a good balanced return. Don’t forget that the value can fall as well as rise. So, whether you want to transfer your existing Junior ISA, set up a new one or even transfer a Child Trust Fund to us, we could be the choice for you.

If your child doesn’t need the money when they reach 18, the plan will automatically roll over into an Adult ISA.

Features of our Junior ISA include:

  • Professionally managed by Schroders – Your savings are balanced between stocks and shares and fixed interest holdings by the experienced fund management team at Schroders.
  • Flexible – It’s up to you. Save as little as £10 a month, make single contributions – or both; up to £4,080 this financial year.
  • Clear, low capped charges – Unlike some other providers, we don’t charge entry, exit or transfer fees.
  • Manage your account online – View and add contributions at any time. Your family and friends can also contribute – it makes a great gift.
  • Keeping up with inflation – We can automatically increase the amount of your regular savings each year to help your contributions keep pace with inflation

Professionally Managed by Schroders

Your Junior ISA will be invested in our Foresters Stakeholder (Schroders) Managed Funds, which is actively managed by the expert fund managers at Schroders.

Schroders is an independent, dedicated asset manager with a strong heritage. It is one of the largest investment firms in Europe and has over 200 years’ experience of investment markets.

The graph below shows how your Junior ISA would grow if you transferred an account with the value of £3,600 to our Foresters Stakeholder (Schroders) Managed 1 Fund for five years from September 2011, which has a 1.5% annual management charge.

Past performance of an investment should not be used as an indicator to future performance.

About Foresters Financial

We believe in doing more for you, your family and your community

Forester Life is part of Foresters Financial an international financial services organisation, which has a history of operating for over 140 years. We are responsible for funds under management of over £3.7bn in the UK and over £25.8bn across the whole organisation.

We share our financial strength with more than three million customers across the United Kingdom, Canada and the United States. Safeguarding their interests is at the heart of what we do. We invest time and money in ways we can work together to make a difference.


Important Documents

Key Features for our Junior Individual Savings Account

Key Features

Key Features of our Junior Individual Savings Account (Junior ISA)
Download now >

Terms and Conditions for our Junior Individual Savings Account

Terms & Conditions

Terms & Conditions of our Junior Individual Savings Account (Junior ISA)
Download now >

Guide to Junior ISA

Guide to Junior ISA

Sharing Our Expertise

We’ve put together a simple guide to Junior ISAs
Read now >

Already have an online account?

Make it easier to open and top-up your child’s plan.
Sign in to My Plans >

Any questions?

Junior ISA Frequently Asked Questions >

Or call us on:

0333 600 0333

8:30-5:00 Mon-Fri
Local rates apply

An ISA for you

Our Adult ISA is designed to meet today’s needs for flexible terms, low charges and clear and simple conditions.

It’s a Stocks and Shares ISA, so there’s real growth potential and can sit alongside any Cash ISAs you may already have, as long as the combined amount you save doesn’t exceed your ISA allowance.

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 would reduce what you could buy in the future.
Find out about our Stocks and Shares ISA >

Foresters Financial Sense and Simplicity