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Collective Investments

This information is designed to help you understand more about saving and investing before you make any decisions and not to provide you with financial advice.

What is a Collective Investment Fund?

A collective investment fund is an arrangement that enables various individuals and organisations to combine their assets and have these professionally managed by an investment manager. The risk is spread by those investments being combined with those of others which will enable the investment manager to invest in a wider range of assets on your behalf. Investments may typically include government bonds, corporate bonds, stocks and shares and properties. When investing in the funds you should consider this a medium to long term investment (usually five years or more).

Aviva Investors Collective Investment Funds

At Aviva most of our range of Collective Investment funds are managed by Aviva Investors, our global asset management business. If you are investing in a sub-fund of an ICVC or in a Unit Trust your contract will be with Aviva Investors UK Fund Services Limited, the Authorised Fund Manager, which means that they are the Authorised Corporate Director and are the provider of the funds and take full responsibility for them.

Features and Benefits

  • Access to professionally managed investment funds
  • Start investing from £50 per month (£30 for the Aviva Investors Property Trust) or a £500 lump sum (£1000 for postal applications)
  • Access to a range of funds across a wide range of asset types e.g. stocks and shares, bonds, property
  • Fund Managers are strictly regulated to protect your interests
  • You can stop paying into your account at any time (subject to leaving at least £500 in value to keep it open).


  • The value of funds and the income from them is not guaranteed and may fall as well as rise. You may get back less than you originally invested. What you get back may depend on:
    • Investment performance of the funds. Past performance is not a guarantee of future performance
    • How much you have invested and whether you have previously taken any money out
  • Inflation will reduce the buying power of your money
  • The risks involved with investing will depend on which funds you decide to invest in. Please refer to the Key Investor Information Document(s) and the full prospectus. Copies are available in English.

Choosing the funds you want to invest in

You may be looking for an investment fund that is tailored to your attitude to risk, such as those in our Multi–asset fund range. Or you might want to select funds from our wider range which covers funds that invest to achieve income, growth or a mixture of both.

How to apply

You can apply using our online service or by post.

Frequently asked questions

You should find all the answer to all your questions in the latest Key Investor Information Document(s) and the Supplementary Information Document (PDF 973kB). However here are some frequently asked questions which you may find useful.

What is the minimum investment that I can make?

You can choose to invest a minimum of £500 as a lump sum (£1000 for postal applications) or £50 per month into an Aviva Investors Investment ISA or directly into a collective investment fund.

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

What are the charges?

We are not currently charging any entry charges on our collective investment fund range, the entry charge shown on the KIID will not be taken.

There is an ongoing charge which is the annual cost of managing the fund. There may also be some other charges that are dependent on the underlying funds that you invest in. For more information on these charges please refer to the Key Investor Information Document(s) and the Supplementary Information Document (PDF 973kB).

How do make I make a withdrawal?

You can make a withdrawal at anytime, as long as it is at least £500 for ISAs or £250 for investments directly into our Collective Investment Funds. To keep your investment open we do ask you to keep at least £500 in your Fund. If you contribute monthly by direct debit and keep up your monthly payments – you won’t need to leave £500 in your Fund.

You can make a withdrawal by writing to us or calling us. If you are writing to us please state which Fund(s) you are withdrawing from, the amount you wish to withdraw and include a signature. You must include a signature for all named account holders. Once we get your instruction we’ll sell your investment at the next available valuation, then we will either send a cheque to your home address or credit the payment directly to your bank account. If you have made payments to us or received income from us using a bank account, we will credit the payment to the last known account. It should be with you within 7-10 working days. Due to Money Laundering Regulations we may require additional documentation from you to verify your identity. We will not be able to release proceeds if we are outstanding verification evidence. We will of course contact you if this is required.

Rest assured we will do anything we can to make sure this doesn’t cause delays. The checks we carry out are to make sure we pay the correct person and are meeting the needs of anti-money laundering regulations. If you are an ISA customer, remember you will lose the tax benefits on any money you withdraw from your investment.

What happens if I change my mind?

When you invest, we will send you a cancellation notice. If you decide you don’t want your investment, you should complete and return the cancellation notice to us within 30 days of receiving it. If you cancel within the 30 day period, we will return your investment to you. If the value of your investment has fallen by the time we receive your cancellation form, you may not get back the full amount you invested.

Contact us

0800 163 8331

Monday to Friday
8:00am - 9:00pm
8:00am - 6:00pm
10:00am - 4:00pm

Calls may be recorded.

WC02247 06/2013