ISAs

What is the Investment ISA?

The Investment ISA is a Stocks and Shares ISA. It enables you to invest your money in a choice of funds with different investment objectives and can be a tax-efficient way of investing, whether you're looking for regular income or capital growth. The Investment ISA gives you a range of options to get what you want from your investments.

• It can provide you with a regular income, capital growth or a mix of the two.
• When you invest in the Investment ISA, any returns are free from UK income and capital gains tax. Although ISAs are tax efficient, the underlying funds may have to pay tax that cannot be reclaimed.
• As of 6 April 2011, the Government increased the annual ISA investment allowance to £10,680. Up to £5,340 of that allowance can be saved in a Cash ISA with one provider. You can choose to invest the remainder, up to the full allowance, in a Stocks and Shares ISA with either the same or another provider. Alternatively, the full £10,680 can be invested in a Stocks and Shares ISA with one provider.
• You can keep your Investment ISA for as long as you like but it should be regarded as a medium to long-term investment. Please remember, the value of your investment and the income from it can go down as well as up and isn't guaranteed. You may get back less than the value of your original investment and tax rules may change in the future.

This information should be read in conjunction with the details in our Simplified Prospectus and ISA Terms & Conditions (PDF 4,559KB)

Talk to one of our advisers on 0800 056 3542*. We can only advise on our own products.

Features & flexibility

With the Aviva Investors Investment ISA you can:

• Invest for capital growth or a regular income, or a combination of both - it's your choice;
• Choose funds that pay income monthly, quarterly or half yearly;
• Pay in a lump sum or make monthly payments;
• Invest a minimum of £50 per month or a £500 lump sum;
• Transfer an ISA from another ISA provider. If you transfer out of an existing ISA with another provider, you may have to pay exit charges;
• Make additional one-off top up payments by cheque;
• The value of your investment can go up as well as down and the value is not guaranteed. You may get back less than your original investment.

Is it for me?

Some of our ISA funds invest in stocks and shares which aim to provide high returns over the medium to long term. But it's important to understand that gains and losses in such funds can be more variable than investing in lower risk funds. The Aviva Investors Investment ISA is intended to be a medium to long-term investment, so if you need easy access to your money at all times, this type of ISA may not be the best solution.

This Investment ISA has been designed to appeal to a broad range of investors – whether you're looking for lower risk investments with lower returns or higher risk investments with the potential for higher returns. You can also choose whether you want regular income, growth or a mix of the two.

How to apply

If you think that our Investment ISA is right for you, find out more about how to apply. You may also want to talk this over with an Aviva Adviser.

Find out about other types of ISA from Aviva.

See how much you can afford to invest with our online Budget planning calculator

Talk to one of our advisers on 0800 056 3542*. We can only advise on our own products.

Lines are open Monday to Friday 8am - 9pm, Saturday 8am - 6pm and Sunday 10am - 4pm. Calls may be recorded and/or monitored.

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