Make your money work harder

Invest with Aviva


Investing is about trying to make money grow over time, so you should only invest cash that you don't need to access quickly. The returns can be higher than with savings products, but it's riskier than saving and you could lose money.

At Aviva, we offer a number of ways to help you invest. One of those ways is with a stocks and shares ISA.

The value of your investment can go down as well as up and you could get back less than you paid in.



Saving is about putting money aside for later. Savings products like bank or building society accounts and cash ISAs usually pay interest, but this might not keep pace with inflation, so your money may lose value in real terms over time.

Aviva does not currently offer any savings products like a cash ISA.

Why invest with Aviva?

  • Manage your account online
  • Invest from as little as £50 per month
  • Low, clear charges
  • 3 ways to invest: Pick a ready made fund | Pick from our experts' suggested funds | Pick your own funds from our full range
  • UK-based customer support
  • Over 300 years protecting people against the fear of uncertainty
  • Tools and guidance to help you make investment decisions

Investing with Aviva

Open an Aviva Stocks & Shares ISA

The Aviva Stocks & Shares ISA

  • Is a way to invest money for the medium to long-term (typically 5 years or more).
  • Is tax-efficient - you don't pay income tax or capital gains tax on any growth and it doesn't need to be declared on your tax return.
  • Gives you investment options with access to around 2000 investment funds.
  • Has greater growth potential than a cash ISA, but is also more risky - the value can go down as well as up and you may get back less than you invested.

Transfer an ISA

Transfer an ISA

Already have an ISA?

You can transfer existing ISAs into the Aviva Stocks & Shares ISA, but there are some things to think about first, such as any differences in product features or the investment options available.

Open an Aviva Investment Account

Used up your ISA allowance?

If you've used up your ISA allowance this tax year but still want to invest, our Investment Account can help. You can invest as much as you like, but you may have to pay tax on any money you make.

The Lang Cat Direct Platform Award 2016 - best for new investors

Financial services consultancy lang cat voted Aviva the best investment platform for anyone starting out in the world of direct investing.

New to investments? Watch and learn

Important information about this video

The information contained within the videos on the Investment and Retirement site was, to the best of our knowledge and belief, correct at the time of filming and unless otherwise stated, relates to the 2016/2017 tax year. Tax rules may change in the future. These videos should not be used as a substitute for financial advice and the content may not apply to your personal circumstances. If you are not sure whether this product is right for you, you should seek financial advice. If you do not currently have a financial adviser you can find one at

Stocks and Shares ISAs explained

Video transcript

Stocks and shares ISAs explained

We all know that bank accounts and cash ISAs are great for saving up for short-term things, like your summer holidays… or when something breaks down.

Oh dear.

But wouldn’t it be nice to get your money working a bit harder for you – so you have more of it to pay for bigger, longer term goals…

…like helping your kids through university…

…helping them buy their first house…

Or perhaps a little something for yourself…

If that sounds good to you, one option is to open a stocks and shares ISA – or an investment ISA, as it’s sometimes known.

When you do this, your money will be invested, meaning it will have good potential for growth – especially over the long term.

What’s more, because it’s an ISA you won’t have to pay any income or capital gains tax on your profits, either. So you’ll get to keep any returns you make all for yourself. Cheers, taxman!

As with all investments, the value of stocks and shares ISAs can go down as well as up, and you may not get back what you invested. So remember to bear that in mind.

You should also know that every April you get an allowance – the maximum you can pay into ISAs during that tax year. This allowance doesn’t roll over from one tax year to the next – so if you don’t use it… you’ll lose it.

No matter what you’re saving up for in life, it’s always a good idea to get your money working harder for you. And over the medium to long-term, a stocks and shares ISA can help you do just that…

…for whatever your plans might be.

AR01678 06/2016

Aviva Life Services UK Limited. Registered in England No 2403746. Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 145452.

Should I save or should I invest?

Video transcript

Before you decide whether saving or investing is right for you, it's a good idea to ask yourself a few questions.

Do you have any debts?

If you do owe some money, you might be paying more interest on your debts than you could earn by saving or investing money. So consider paying any debts off first. It's also worth making sure you've thought about other aspects of your finances such living costs, insurance needs, spending money and so on.

Have you got a rainy day fund?

'Rainy days' are a fact of life.

But if you're really out of luck, you could get a real downpour... maybe redundancy or a temporary loss of income.

That's why it's a good idea to keep some money in an easy access account.

How do you feel about risk?

If you can accept some risk to your capital, investing might be for you. But if you don't want to risk your original investment, you may be better to stick with saving. It's all down to what you feel comfortable with, whichever way you decide to go.

You also need to think about when you might need your money?

Maybe you've got a specific goal in mind that's quite a few years away.

If so, investing could be for you – provided you're relaxed about not needing to access your money for a number of years.

You also need to know that the value of your investment is bound to have its ups and downs along the way, and you may get back less than you invested.

But if access to your money is important – or you want to keep the risks down – a savings account may be more appropriate.

One last question…

How much will you need for your retirement?

When you're preparing for retirement, there's plenty to think about.

As well as savings or investments, you need to consider a pension if you don't have one already.

If you're not sure where to start, see My Retirement Planner – it's a simple online calculator to help give you an idea what your income might be when you retire.

It'll help you get your thoughts together.

Investment Funds - Part 1 - How funds work

Video transcript

When we're talking about investment, the word 'fund' crops up again and again. But what, exactly, does it mean?

When you invest, you can simply buy shares, or other individual investments. That's one way of doing things.

On your own, you may be a small fish. But when you invest in a fund, your money is pooled with that of other investors.

Together, you can act like big fish....

Because even if you only have a relatively small amount to invest, you can split it across different investments and aim to spread the risk.

A professional fund manager takes charge of the fund.

They decide what to invest in. Maybe property, shares, fixed interest assets, cash, or a combination. According to the objectives of the fund, the fund manager might take an 'active' approach, aiming to beat the market by making decisions on which assets to buy, sell or hold at what time.

Or the fund might be a passive fund, simply aiming to 'track the market' by replicating the performance of an index (such as the FTSE)

Fund managers charge a fee to manage your money. Charges for passive funds are usually less than for active.

(text on screen): If you're unsure whether investing in a fund is right for you, you should speak to a financial adviser.

There's a lot to think about, and the amount charged is just one of the things you'll want to consider.

You also need to bear in mind that the value of a fund is not guaranteed and may fall as well as rise – so you may get back less than the original amount invested.

And you should understand that past performance isn't a guide to future performance.

Yes, investment is a complex subject, but there's no need to be left feeling... all at sea.

Talk to a financial adviser to find out what this means for you.

(text on screen)::

Investment Funds - Part 2 - How funds work

Video transcript

(text on screen) Choosing an investment fund

If you decide that you want to invest via a fund, the next step is to choose the kind of fund that might suit you. This means asking yourself some important questions...

(text on screen) What are your reasons for investing?

Perhaps you're saving for a specific goal...

...such as university fees.

Maybe you're looking to take an income from your money...

...or you could be saving for your retirement.

All of this could help you decide whether investing in a fund would be right for you, and if so, what style of fund might meet your aims.

(text on screen) How much risk do you want to take?

There's a very wide range of funds to choose from – some seek to take very little risk, others offer higher potential returns with a higher risk of losing money.

(text on screen) What areas and assets do you want to invest in?

Lots to decide on here. It's not just about choosing an area of the world – UK, Europe, or worldwide, perhaps – but also the types of assets you want to invest in. Through a fund, you can invest in shares, fixed interest assets (like gilts or bonds), property or cash.

When it comes to investment there are an awful lot of fish in the sea. Too many for some people. But it's possible to get some expert help to narrow down the choice.

Highly experienced investors may be comfortable self-selecting – moving their investments between funds themselves as they try to maximise returns.

But many people choose to narrow down the choice by opting for a ready-made investment, so their money is invested in a diverse range of assets within a single fund.

Finally, some providers offer select fund ranges to simplify things by keeping the choice down to a smaller number of expertly-selected funds.

(text on screen): If you're unsure whether investing in a fund is right for you, you should speak to a financial adviser.

There's a lot to think about, and the amount charged is just one of the things you'll want to consider.

You also need to bear in mind that the value of a fund is not guaranteed and may fall as well as rise – so you may get back less than the original amount invested.

And you should understand that past performance isn't a guide to future performance.

If you want to find out more about savings and investment, visit 'Savings or investment options for me to consider'.

(text on screen) –

Planning for life's big events

Video transcript

Sometimes it seems as though life's biggest events tend to take us by surprise.

One minute we're hardly even thinking about the future.

And the next, well, we're in it.

Looking back, it can be hard to remember how we got where we are now.

And sometimes, you might wish you'd stopped to think a bit more along the way.

Okay, shall we play that again?

Whatever stage of life you're at, it's a good idea to think ahead to the next one.

Or the one after that.

Aviva can help you to consider what savings and investment options may be best for your own priorities as you plan for life's big events.

They'll still seem to come round more quickly than you'd expect... but you might be able to look forward to them with a little more confidence

What type of saver are you?

Use our Financial Personality Profiler to find out exactly what kind of saver (or spender) you are and take the challenge to be smarter with your cash.

Discover your financial personality

See how your investments could grow

Use our ISA calculator to find out what your ISA could be worth, as well as how much, and how long, to invest.

Start the ISA calculator

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