With-profits investment

If you want to invest in one of our With-Profit funds, you’ll need to do it through one of these products.

• Investing through an investment bond
• Investing through a pension
• Investing through an annuity

Unsure what’s right for you?

If you’d like somebody to talk through your options, give one of our advisers a call using the number listed on the right. Alternatively, contact your own financial adviser or find one in your area at unbiased.co.uk.

Investing through an investment bond

You can invest in our With-Profit fund through our investment bond, which is called ‘Portfolio’.

Aviva’s Portfolio allows you to invest a single lump sum and is designed to give you an income*, investment growth, or both. Through it, you can invest your money in a wide range of different funds, including the With-Profit Fund.

To invest in it, you’ll need to have at least £5,000 to invest in a lump sum. And although there’s no fixed term, it’s designed to be a medium to long-term investment (5 to 10 years or more). There are penalty charges for withdrawing your money in the first five years.

With investment bonds, the value of your investment can go down as well as up and is not guaranteed. You may not get back the amount you invested.

To find out more visit our investment bond pages.

* This is in relation to cash withdrawals from your bond. This isn’t income in the same sense that earnings and interest are income payments. All withdrawals from your bond are capital payments. Income tax is payable only when a chargeable gain is made, not on the cash withdrawal itself. Please see our guide to ‘Making withdrawals less taxing’ IN50031 (PDF 94KB) for further information.

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Investing through a pension

You can invest in our With-Profit funds through a pension plan, which is a way of investing money that you can use when you retire.

You will not be able to access your pension fund until you choose to take your retirement benefits. The value of your pension investment can go down as well as up and is not guaranteed. You may not get back the amount you invested.

Aviva has 2 types of pension where you can invest in one of our With-Profit funds - our Personal Pension and our Stakeholder Pension.

To find out more visit our pension pages

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Investing through an annuity

When you retire, in most cases you have to use your pension fund to buy an annuity, which gives you a regular income for the rest of your life.

If you want the potential to grow the amount of money that will be paid to you as an income, you can invest in our With Profits Pension Annuity.

If you do so, there is a risk that the amount you get paid will actually reduce. But because we offer a guarantee, it will never fall below a minimum amount. You should see an annuity as a lifetime commitment, as you can’t usually cancel or make changes to it once you’ve purchased one.

To find out more visit our With Profits Pension Annuity page.

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WC02146 04/2011