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Guidance

Compare our pension plans

If you’re not sure which type of pension plan to choose, have a look at the table below. It compares the features of Aviva’s Stakeholder Pension, Personal Pension and Pension Portfolio. You can use this brief overview to help you work out which one could be right for you.

Information Stakeholder Pension Personal Pension Pension Portfolio
Charge Maximum of 0.55% of your plan value each year, reducing when your fund value is £50,000 and over. The charge will vary depending on which investment funds you choose. The charge will vary depending on which of the three investment levels you choose: core, choice or flex.
Minimum payment Minimum of £20, including tax relief.

£20 a month or £240 a year if you make a single or transfer payment of £10,000 or more.

£200 a month or £2,400 a year with or without a single or transfer payment of £1,000 or more.

For regular and single payments, these minimum amounts include tax relief.

Regular payments -
£100 Per Month
£300 Quarterly
£600 Half Yearly
£1,200 Yearly

a single payment of £5,000 (gross)

Or a transfer of benefits from another pension scheme.

Number of investment funds Over 40 investment funds Over 250 investment funds Over 2,800 investment funds (depending on the investment level chosen)
Flexibility

You can stop, re-start or change your payments to suit your needs.

You can choose to an option that automatically moves your investment to try to protect the value of your pension fund as you approach retirement.

You can stop, re-start or change your payments to suit your needs.

You can choose to an option that automatically moves your investment to try to protect the value of your pension fund as you approach retirement.

You can stop, re-start or change your payments to suit your needs.

You can move easily between the investment levels if your financial goals change.

Helping you choose your pension plan

We have a range of pension plans to suit different types of investors.

We recommend that you talk to a financial adviser if you’re thinking about starting or changing your pension arrangements.

Your next steps

Stakeholder Pension

The first step is to talk it through with a financial adviser to make sure it's the right pension plan for you. If you don't have an adviser, you can find one in your area at unbiased.co.uk.

Ready to take the next step?

If you and your adviser agree that an Aviva Stakeholder Pension is right for you, your adviser will provide you with all the information you'll need to apply. This will include:

  • A key features document, which explains the aims and risks of the plan and answers some frequently asked questions.
  • A personal illustration, which gives you an estimate of what your investment in the pension plan may be worth at retirement age.
  • An application form, which should take just a few minutes to complete.

Personal Pension

Find out more about how to apply for an Aviva Personal Pension. The next step is to talk it through with your financial adviser to make sure it’s the right plan for you. If you don’t have an adviser, you can find one in your area at www.unbiased.co.uk.

Pension Portfolio

Find out more about how to apply for a Pension Portfolio through the Aviva Platform. The next step is to talk it through with your financial adviser to make sure it’s the right plan for you. If you don’t have an adviser, you can find one in your area at www.unbiased.co.uk.

You can purchase Pension Portfolio online directly, find out more about the product and purchase online here - the product can also be bought from financial advisers.

WC03032 07/2014