Key features of the Forester Life Individual Savings Account

Its Aims

  To provide a straightforward, low cost way for you to build up tax-efficient savings and/or investments.

  To give you easy access to your savings and investments.

  To achieve medium to long-term capital growth in a risk-controlled stakeholder fund which invests in a spread of stocks and shares.

Your Commitment

  You should aim to save a regular amount each month and/or invest lump sums.

  Regular savings will increase each year in line with inflation.

  Your ISA has no specific term, however you should aim to invest for at least five years.

Risk Factors

  The value of your ISA may fluctuate as the value of the investments in the Forester Life Stakeholder Managed Fund 1 can go down as well as up. You may get back less than you have invested.

  The Government may change the favourable tax treatment and contribution limits of ISAs in the future. This could reduce the potential growth of the investment.

  If you exercise your right to cancel, the amount returned to you may be lower if the price of units bought on your behalf has fallen.

  If you do not maintain your regular savings you may not meet projected investment targets.

  Whilst this account meets the standards for a stakeholder scheme this does not necessarily mean that the investment is suitable for you or that there is any guarantee of performance.