Stocks and Shares ISA for Flexible Tax Free Savings | POIS

Stocks & Shares ISA Top Ups

An ISA that
Works as hard as you do

Saving regularly can make a big difference over time, and with an ISA your savings are tax free too. 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?

This Stocks & Shares ISA is perfect for medium to long-term savings and is designed for people looking to build savings for the future. Your savings have the potential to grow thanks to annual and final bonuses.

Save up to £20,000 in the current tax year through regular saving from just £50 per month, lump sums of at least £500 and top ups of at least £250.

Your money is invested in a Foresters Friendly Society fund which gives you access to investment types you cannot get directly.

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

How would you describe POIS to someone who had never heard of them before?

“It is somewhere you can put money where it’s safe, and you get a good return on it. We have used it for our children too.” POIS Member

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

Added value for you – Member Benefits

Taking out a Stocks & Shares ISA is only the start. By doing so, you become part of the POIS family which is a part of Foresters Friendly Society, a well-established UK friendly society. This means you can enjoy some wonderful, unique benefits such as discretionary grants to help with dental and optical costs. In 2023, we gave back over £1.72 million to our POIS and Foresters members in the form of discretionary grants and charitable donations.

Find out more

Common 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.

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

Cash ISAs are basically savings accounts available to anyone aged 16 and over, where all the interest paid is free of income tax. Unlike a Stocks & Shares ISA the value of your capital can’t fall. There are two types of Cash ISAs:

  • Instant Access – you have direct access to your money and can make withdrawals whenever you need to.
  • Fixed Rate Cash ISAs – encourage you to lock your money away for a set period of time. Generally, the longer it’s in there, the more potential there is for a higher rate of interest.

A Stocks & Shares ISA, like this one, is designed more for longer-term investments and is available to anyone aged 18 years old and over. You may find it delivers a better return over time than a Cash ISA because it’s invested in a range of ways – but that all depends on the performance of the 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.

Where will the money be invested?

The money you pay into the Stocks & Shares ISA is invested in Foresters’ With Profits Order Insurance Fund. The fund’s aim is to deliver investment growth for you. Dependent on the performance of Foresters’ fund, there is the potential for annual bonuses and a possible final bonus to be added to your ISA.

Once invested, your money is spread across various types of investments including property, equities, cash and UK government bonds. This is done to reduce risk and increase the potential for healthier returns. You don’t need to be an investment expert – fund managers will handle the fund for you.

For the latest information on the investment strategy for Foresters’ With Profits fund, please see the Principles and Practices of Financial Management (PPFM).

What interest does the plan pay?

Rather than receiving interest your investment has the potential to grow through the addition of bonuses which depend on the performance of Foresters’ Order Insurance Fund. Any profits may be used to award an annual bonus to your ISA and possibly a final bonus when you eventually withdraw your money.

Foresters’ Order Insurance Fund has paid annual bonuses on the Stocks & Shares ISA for the past 19 years.

  • In 2022 the annual bonus rate was 1.25%.

This 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.

We recommend you read our Principles and Practices of Financial Management (PPFM) to find out more about the addition of bonuses and how Foresters’ Order Insurance Fund is managed.

From time to time, the product might change slightly to meet the needs of our policyholders. This may affect the timings and amount of any bonuses in the future. Therefore, the above bonus rate is provided for information purposes only. It shouldn’t be considered as an indication of likely future performance.

Will I have to pay any charges?

Every year there is a management charge to pay – it’s set at 2% of your ISA’s value. It’s there to cover our costs in administrating the plan for you. We’ll always deduct the charge before we declare any bonuses. This way there are no additional fees for you to pay and our bonus rates are declared after the charge has been taken. Although this charge could increase in time, we guarantee it’ll never be more than 3% of the value of your ISA in any one year.

For more details, please read the relevant Stocks & Shares ISA Key Information Document and Important Information.

Can I withdraw money from my Stocks & Shares ISA?

You can make regular and one-off withdrawals just as long as the remaining balance of your ISA does not fall below £500. After two years you can make regular withdrawals at fixed points in time such as monthly or quarterly, and one off withdrawals can be made at any time.

Please take a few minutes to read the Important Information document for further information on making withdrawals.

Can I cash-in my ISA?

As a with profits investment, your ISA will benefit from the potential for growth the longer it is kept invested. However, you can cash it in at any time. What you get back will depend on how much you’ve invested, any amounts you’ve withdrawn and any annual bonuses.

In good investment conditions you may also receive a final bonus. However, in less favourable conditions, a Market Value Reduction (MVR) may be applied which will reduce the ISA’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 Stocks & Shares ISA



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


By phone

Call us on 0800 622 417 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 have any questions that we have not yet covered or just want to talk your application through, please give us a call. Our friendly UK based team are on hand to make things as easy as possible (lines are open Monday to Friday 9 am to 5 pm).

Call free on 0800 622 417