Stocks & Shares ISA Top Ups

An ISA with
More potential

Topping up your Stocks & Shares ISA is always a good idea, especially if you have something special in mind for a birthday, your retirement, or a rainy day. Our Stocks & Shares ISA has flexible savings options and offers potential growth thanks to the possibility of bonuses. Make the most of your £20,000 annual allowance and whatever you’re planning could be a reality sooner than you thought!

Why top up your Stocks & Shares ISA

Save for your future

Ideal for medium to long term savings. It’s designed for people looking to save something for their future.

Stocks & Shares ISA allowance

You can save up to £20,000 in the current tax year. Make regular payments from just £50 per month, lump sums of at least £500 and top ups of at least £250.

A managed Stocks & Shares ISA

Your money is managed by our expert fund managers and invested in a fund which gives you access to investment types you cannot get directly. Leave the complicated bits to us.

Your membership benefits

Access to Foresters Extras – membership benefits – including discretionary grants to help you to cover the cost of things like higher education and healthcare costs.

What do our members say?

“I am self-employed and needed shoulder surgery. I applied for the Foresters Support Fund grant to help with loss of income. It will allow me to recoup savings which were used to pay bills etc. Rebekah (Court Services Assistant) was extremely kind, friendly, and helpful throughout the application process. I cannot thank her enough!”

Clair, Surrey

Read More

Ready to make the most of your ISA allowance? Top up today!

Added value for you – Foresters Extras

Holding a Stocks & Shares ISA with us means you’re part of the Foresters Friendly family and can enjoy some wonderful, unique benefits such as discretionary grants to help with dental and optical costs.

Find out more

Frequently Asked Questions

Can I still open a Foresters Friendly Society Stocks & Shares ISA

Stocks & Shares ISA’s are no longer available to open with Foresters. But on the plus side, we do offer other saving plans which can be used to save for your future. Find out more about our Tax Exempt Savings Plan and our Saving and Investment Plan.


Can I transfer an existing Stocks & Shares ISA to Foresters Friendly Society?

We no longer accept transfers of Stocks & Shares ISA’s.

Can you have a Cash ISA and a Stocks & Shares ISA?

In any one tax year you can open a Cash ISA and a Stocks & Shares ISA, in addition to a Lifetime ISA if you are eligible. But you have to make sure that the combined annual contributions do not exceed the annual ISA allowance. You can also hold ISAs from previous years, it is only the contributions you make to your ISA in the current tax year which counts towards this year’s annual ISA allowance.

Please note that tax rules may change and depend on individual circumstances.

What is the difference between a Cash ISA and Stocks & Shares ISA?

Cash ISAs are savings accounts that pay interest that is free of income tax. Unlike Stocks & Shares ISAs the value of your capital cannot rise and fall. They are available to anyone aged 16 and over, and come in two types:

  • Instant Access. This is where you have direct access to your money and can make withdrawals whenever you want to for any reason.
  • Fixed Rate. This is when you aim to lock away your money for a set period of time to potentially benefit from a better rate of interest.

A Stocks & Shares ISA, like the one offered by us, is intended to be a longer-term investment and is available to anyone aged 18 years old and over. There is the potential for a greater return on your savings over the longer term than with a Cash ISA due to the differing investment approach although, depending on the performance of the stock market and any other asset types your money may be invested in, the value of your investments can fall as well as rise and you may not get back the full amount originally invested in a Stocks & Shares ISA.

Where is the money invested?

The money you pay into the Stocks & Shares ISA is invested in Foresters Friendly Society’s Order Insurance Fund with the aim of providing investment growth. Dependent on the performance of our fund, we aim to add annual bonuses and a final bonus to your ISA which will increase your plan’s value. The addition of bonuses is not guaranteed.

Within our fund, your money is spread across a number of different types of investments including property, equities, cash and UK government bonds, to help minimise risk and increase the potential returns. You won’t have to make any investment choices, our expert fund managers manage the fund on your behalf.

Please see the Principles and Practices of Financial Management (PPFM) for the latest information on our investment strategy.

What is the potential benefit of the chosen asset mix within the Foresters with profits fund?

Many funds that invest in a variety of asset classes would have a mixture of equities and bonds.  These asset classes traditionally have a negative correlation, meaning that if equities go up in value, bonds generally go down in value.  The opposite happens when equities go down in value.  Over the past few years this correlation has moved to a positive correlation, resulting in equity and bond valuations moving in the same direction.  This can increase the risk of poor returns and increased volatility in fund values.

We use private assets to help diversify our fund and reduce its overall risk, as private assets are not so closely correlated with equity and bond (public) investments and so can help to balance investment volatility.  Private assets also offer the potential for higher returns as they are often long term investments.  The downside is that private assets offer lower flexibility than public assets. We monitor the overall exposure between private and public assets to ensure the mix meets our expected cashflows.

Do you get interest on a Stocks & Shares ISA?

Our Stocks & Shares ISA doesn’t pay interest. Instead, by investing the money you pay into the plan into our Order Insurance Fund, which is a with profits fund, we provide your plan with the potential for growth by way of bonuses. Any profits generated by the fund are used to add an annual bonus to your ISA and possibly a final bonus when you withdraw your money.

We have paid annual bonuses on our Stocks & Shares ISA for the past 19 years.

  • In 2022 the annual bonus rate was 1.25%.

The annual bonus is applied to the amounts you have invested, less the amounts you have withdrawn, and any annual bonuses that have been previously added.

The addition of any bonus is not guaranteed and you may not get back the full amount originally invested, dependent on the investment conditions at withdrawal.

To find out more about the addition of bonuses and how we manage our fund please read our Principles and Practices of Financial Management (PPFM).

We may vary the design of a product to best meet the needs of our policyholders which may affect the timing and size of future bonuses. Therefore the above rate is provided for information purposes only and should not be considered an indication of likely future performance.

Are there any Stocks & Shares ISA charges?

There is an Annual Management Charge of 2% of the value of your ISA. We deduct charges upfront before we declare bonuses. This means there are no additional charges for you to pay. This charge could increase, but we promise it will never exceed 3% of the value of your ISA in any one year. The charges are designed to cover our costs for administering the ISA on your behalf. For more information about charges, please take a few minutes to read the Stocks & Shares ISA Key Information Document and Important Information.

Can I withdraw money from my Stocks & Shares ISA?

If you need access to your money, regular and one-off withdrawals can be made as long as the remaining balance of your ISA does not fall below £500. Regular withdrawals at fixed points in time i.e. monthly or quarterly can be made after two years, and one off withdrawals can be made at any time.

For further information on the terms of withdrawals please take a few minutes to read the Important Information document.

What happens if I cash-in my ISA?

Being a with profits investment, your ISA will benefit from the potential for growth the longer it is kept invested. Ideally for a minimum of 5 years but the longer the better. However, you can cash-in your investment whenever you want. The cash-in value will depend on the amount invested, the amounts that have been withdrawn and any annual bonuses that have been added. Depending on the investment returns achieved and our costs, in good investment conditions we may also add a final bonus. However, in not-so-good investment conditions, we may apply a Market Value Reduction (MVR) which will reduce the plan’s value and may mean you get back less than was paid in.

For more details please take a few minutes to read the Important Information document.

Ways to top up your Socks & Shares ISA



Set up a regular monthly direct debit, or make a one-off, secure payment from your debit card. Top up online now.


By phone

Call us on 0800 988 2418 and we can set up a regular monthly direct debit, or take a one-off payment from your debit card over the phone.



We’re here if you need help or have any questions

If you’re a little stuck and need help, please get in touch. Our UK based team can help to make things as smooth and easy as possible (lines are open Monday to Friday 9 am to 5 pm).

Call free on 0800 988 2418