Investment Bonds

Portfolio from Aviva is an investment bond that allows you to invest a single lump sum into a wide range of funds.

• You can invest for the long term for the potential to increase the value of your money or to provide an income, or a combination of both.
• With access to funds from Aviva and other top fund providers, you can tailor your investment to suit your needs.
• The value of all our funds can go down as well as up and you may not get back the amount you invested. You need to choose the fund(s) that suit you best according to the levels of risk and return you are looking for.
• Talk to your adviser and find out how to apply for Portfolio.

Talk to one of our advisers on 0800 092 7872*. Any advice given will relate only to the products sold or marketed by Aviva.

The longer term investment with the potential for growth

Portfolio gives you access to a wide range of funds in which you can invest your money for the long term. It aims to increase the value of your money or provide you with an income.

What is Aviva's Portfolio?

Portfolio is an investment bond - this is an investment that offers some life insurance cover and certain tax benefits. It allows you to invest a single lump sum (the minimum amount is £5,000) with the aim of providing potential capital growth, an income or a combination of both. It has no fixed term, but is designed to be a long-term investment.

Your money is invested in a fund or funds, which are managed by expert fund managers. Portfolio offers you a wide choice of funds managed by Aviva and other leading fund providers. Each fund carries a different level of risk and potential return, depending on what types of assets it invests in. As your circumstances and financial needs change, you can move your money from fund to fund, perhaps changing from a growth fund to one that aims to provide you with an income.

Things to think about

• The value of your investment can go down as well as up and any income from it can vary (dependent on the fund you are invested in ).
• Unless you choose to invest in one of our funds with a five or ten year money back guarantee and move your money out of the fund at the time when the guarantee applies, you may get back less than you originally invested. The guaranteed amount will be reduced by any withdrawals taken.
• If you need to cash in your bond or access your money in the first five years, early exit charges may apply. You can find out more about our charges (PDF 929KB).
• The income referred to above isn't income in the sense that earnings and interest are income payments. All withdrawals from your bond are capital payments. Income tax is payable only when a chargeable gain is made, not on the cash withdrawal itself. Please see our guide to Making withdrawals less taxing (PDF 90KB) for further information.

If you're not sure it's the right type of investment for you, we can help you decide.

How to apply

If you think that an investment bond is right for you, find out more about how to apply for Portfolio from Aviva. You may also want to talk it over with a financial adviser. If you don't have an adviser, you can find one in your area at www.unbiased.co.uk.

You can talk to one of our advisers on 0800 092 7872*. We can only advise on our own products.

* Lines are open Monday to Friday 8am - 9pm, Saturday 9am - 5pm and Sunday 10am - 4pm. Calls may be recorded and/or monitored.

WC02081 03/2012