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Investment products

Investing with Aviva

Our investment products at a glance

Our at a glance page shows a brief summary of our investment products

Investments at a glance >

We have several different ways that you can invest with us. The most suitable option for you will depend on your personal circumstances. Investments can go down as well as up and you may get back less than you put in.

Stocks and shares ISA

An ISA is an Individual Savings Account which is a tax-efficient way of investing. This means returns from investing are free from UK income or capital gains tax. The underlying funds you invest in through your ISA may have paid tax, but you can't reclaim this.

Each year, the Government sets a limit on how much money you can put into an ISA. In the 2014/15 tax year you can invest up to £15,000.

You'll be able to invest all of that allowance in a stocks and shares ISA or a cash ISA, or split it between a cash ISA and a stocks and shares ISA as you wish.

When it comes to selecting your funds, we offer you a choice of two different routes. You can either opt for ready-made funds or, if you feel confident enough, pick your own.

The minimum amount you can invest is £500 as a lump sum or £50 a month. You should consider this as a long-term investment and aim to leave your money in the ISA for at least five years.

Collective Investment funds

You can invest directly into our collective investment funds, for example when you've used up your stocks and shares ISA allowance. The type of funds you choose will depend on your attitude to risk and whether you want to invest for growth, income or both

Your money is pooled with that of other investors who choose to invest in the same fund. The minimum amount you can invest is £500 (£1000 for postal applications) as a lump sum or £50 a month. You can invest as much as you like. You should think of this as a medium to long-term investment and aim to leave your money in the fund for at least five years.

You may have to pay income tax, capital gains tax or both on the returns from your investment. This will depend on your personal circumstances.

With the exception of Aviva Investors Asia Pacific Property Fund and the Aviva Investors European Property Fund where the minimum regular investment amount is £100 per month.

Select Investment bond

Select Investment is an investment bond that offers you the chance to potentially earn returns from stock market growth. Your money goes into investment funds. You can choose up to 10 funds from our wide range.

The type of funds you choose will depend on your attitude to risk and whether you want to invest for income, growth, or a mixture of both.

The minimum amount you can invest is £10,000. You should think of this as a long-term investment and aim to leave your money in the bond for at least five years.

You can also take a regular income or make occasional withdrawals from your bond to help with any unexpected expenses. Depending on your personal circumstances you may have to pay a tax charge when you take money out of your bond.

WC02225 07/2014