What is the Aviva Master Trust?
Independent trustee board 
Governed fully independently, the Aviva Master Trust aims to help its members achieve the best possible retirement outcomes.
Expert administration 
A trusted pair of hands with the expertise to ensure effective scheme administration on your behalf.
Expert active management 
The standard default investment solution benefits from active management by Aviva Investors' multi-asset team.
Tailored support 
We guide you every step of the way, from setting up your scheme to providing members with financial wellbeing support.
Quick links if you're not an employer
Looking for details of your own workplace pension? Or, perhaps you would like information to help you in your role as a financial adviser? These links can point the way.
How the Aviva Master Trust stands out from the crowd
Not all master trusts are equal in how they support you and your members. Here are some extra reasons why our master trust could be a smart match for your business.
Our Group financial strength and performance
Aviva’s strong financial stability and ability to pay obligations to policyholders has been recognised by global credit rating agencies, including S&P, Moody's and AM Best, who have independently assigned investment grade financial strength ratings (AA- / Aa3 / A+) to rated entities.
A provider you can trust
We’ve supported people through life’s opportunities and challenges for over 325 years, and we're dedicated to helping to securing our members' financial future and safeguarding their investments.
And today, with over 4.8 million members, we're one of the UK's leading workplace pension providers.
MyAviva makes it easy for members
They can access their workplace pension with us through a secure account, either in the app or online. It offers quick access to view their pension, and a way to update personal details or even their fund choices.
A wide range of funds
For members who want the choice of investing outside the default investment options, a range of self-select funds are available from leading fund groups such as BlackRock, HSBC, and Schroders, plus funds managed by Aviva's dedicated asset management group Aviva Investors.
Investing in line with values
There's also a range of ethical funds, including Shariah-compliant, and environmental, social and governance (ESG) options, so members can invest their money in a way that's important to them.
Team up with an award-winning pension provider
We continue to receive industry recognition for our workplace solutions and the options they offer members at retirement. These include:
Corporate Adviser Awards 2025
Highly Commended, Best Master Trust
Highly Commended, Best Default Sustainability Strategy
Pensions Age Awards 2025
Winner, At Retirement Solutions Provider of the Year
An independent trustee board that stands with you
Working alongside Aviva to achieve the best outcomes for employers and members, the trustee board focuses on three key principles.
Provides value, expertise, reassurance and support
A trustee board built on the expertise, vision and commitment needed to provide genuine confidence.
Helps members make well-informed decisions about their future financial goals
Each of the trustee directors is an established expert and leader in their own specialist backgrounds.
Works with Aviva to protect and invest responsibly and sustainably
The trustee board was one of the first master trust boards to set out its own ESG policy. It publishes annual updates on its sustainable investment principles and managing climate risk for members.
The Aviva Master Trust provides tailored support all the way
With this scheme, you can rely on our expertise to get you set up quickly and efficiently. And there’s support for your members too, both as they grow their pension and when they plan for life after work.
How we guide you through the set-up process
- If you already have a scheme in place, our experienced implementation team can help move it over to us
- We provide a detailed implementation plan that’s tailored to the needs of your members
- Once set up, you'll have a dedicated client relationship manager as your single point of contact
A seamless, consistent service for your members
- We explain to your members how the Aviva Master Trust scheme works, how it might be different from other schemes, and how we manage their pension
- We make important issues clear from the start and, if a member has any questions, we aim for first point resolution
- Our pensions are tailored to your members’ needs and their retirement plans, offering support for every stage
How the Aviva Master Trust empowers members for the retirement they want
How we keep your members informed and engaged
Timely reminders 
We’ll get in touch at key stages – such as the tax year end, pay rises and age milestones – or to remind members about outstanding admin tasks, like nominating a beneficiary. This can nudge members towards actions, which may lead to higher engagement with their pension, and improved understanding and outcomes.
Relevant information 
We use a member data segmentation model which allows us to tailor messages to an individual’s profile, for example by income or age group.
Constant improvement 
We also look to make our communications with members better. We do this through research, focus groups and regular feedback from scheme members to put their interests at the heart of every innovation.
Where we invest your member's workplace pension
My Future Focus
My Future Focus is the flagship investment solution with our Group Personal Pension. Managed by Aviva Investors, it invests across a broad range of asset classes to provide the benefits of diversification.
Member savings are fully invested in the My Future Focus Long Term Growth Fund until 15 years before their chosen retirement age. This fund aims to grow the size of the pension.
Starting 15 years before retirement, member savings are gradually moved into the My Future Focus Growth Fund, and then from 10 years before retirement, into the My Future Focus Consolidation Fund. We do this to provide stability as members get closer to retirement.
Other fund choices to suit members' priorities
With the Aviva Master Trust, members can access other fund options once their policy has been set up. The options available are shown below.
The annual fund charge may change for any members moving out of the default investment solution.
My Future Vision
My Future Vision is our latest default investment strategy that uses a multi-fund and glidepath model to help members prepare for retirement.
My Future Vision is only available for My Money trust-based schemes.
My Future
An alternative default investment option managed by global fund management group BlackRock.
Stewardship
These funds exclude investment in businesses and industries deemed harmful. They also aim to align with our sustainability pillars - Climate, Earth and People - which are deeply rooted in the UN's Sustainable Development Goals.
Shariah-compliant investing
Our Shariah strategy aligns with Islamic finance, screening out investments in companies whose business involves alcohol, pork products, tobacco and gambling.
Self-select funds
Funds from a range of asset managers, including BlackRock, HSBC and Schroders, as well as our own asset manager Aviva Investors.
How to get a quote or apply for the Aviva Master Trust
You'll need to take advice to get a quote or apply for the Aviva Master Trust so you can do one of the following:
Get in touch with your regular Aviva contact or current financial adviser. 
If you would like more information about our workplace pension products and services, get in touch and we'll be happy to help. 
Frequently asked questions
How do I consolidate a scheme into the Aviva Master Trust?
We welcome enquiries from trustees of single-employer trusts and sponsors of master trusts and are committed to making the process as clear and supportive as possible.
What we’ll need to know
To help us understand your scheme and assess suitability, we’ll typically ask about:
- your scheme’s current assets under management
- your membership profile
- your key objectives for consolidation (such as cost savings, governance or member experience)
- any guarantees, investment complexity (for example with-profits) or legacy benefits we should be aware of
- your current investment strategy and self-select investment options.
How to prepare
Before you get in touch with us, it’s helpful to do the following:
- Review your scheme’s trust deed and rules.
- Gather recent actuarial valuations and investment reports.
- Understand your member and scheme demographics.
- Consider your data and any known issues.
- Understand your administration and investment charging structure, and how charges are collected.
- Identify any contractual or regulatory obligations that may affect transfer.
The consolidation process
We aim to make the process as smooth as possible. A typical journey includes:
What are the key rules for workplace pensions?
Based on the latest government guidance and legislation in 2025, there are five key rules for workplace pensions in the UK.
- Automatic enrolment
Employers must automatically enrol workers into a workplace pension if they:- Are aged 22 to state pension age
- Earn at least £10,000 a year
- Ordinarily work in the UK
- Contribution requirements
Minimum contributions (based on qualifying earnings between £6,240 and £50,270 for 2025/26):- Employer – at least 3%
- Employee – typically 5%
- Total minimum – 8%
- Opting in and opting out
- Employees earning below £10,000 can opt in and get employer contributions if they earn over £6.240
- Employees can opt out within one month of being enrolled and get a refund of contributions
- Employers must re-enrol eligible employees every three years if they’ve opted out
- Qualifying pension scheme
The scheme must:- Be registered in the UK
- Meet minimum standards set by legislation
- Be capable of handling auto enrolment duties
- Employer duties
Employers must- Assess staff eligibility
- Enrol eligible workers
- Make contributions
- Provide written information to employees
- Keep records
- Submit a Declaration of Compliance to The Pensions Regulator within five months of their duties start date
How much does an employer have to contribute to a workplace pension?
As of the 2025/26 tax year in the UK, the minimum contribution to a workplace pension through automatic enrolment is 3% for employers. Employees must contribute 5% (which can include tax relief), making a total minimum contribution of 8% of qualifying earnings.
What counts as qualifying earnings?
For the 2025/26 tax year, qualifying earnings are an employee’s gross annual earnings between £6,240 and £50,270. This includes:
- Salary or wages
- Bonuses and commission
- Overtime
- Statutory sick pay
- Statutory maternity, paternity or adoption pay
Employers can choose to contribution more than the minimum, and in some schemes, they may cover the full 8%, meaning employees don’t have to contribute at all.
Explore more of our workplace pension products
Group Personal Pension (GPP)
Our simplest pension scheme to set up and manage online. It offers your members access to over 220 funds from more than 30 fund managers, covering the key asset classes and risk appetites.
Group Self-Invested Personal Pension (GSIPP)
Designed to offer members greater control over their investments, with access to a core fund range, a fund supermarket, and the FTSE™ All-Share Index.
Own Rules Trust services
Overseen by your own board of trustees, we can provide a trust-based solution, support administrators and help scheme members plan for retirement.
Other pension solutions
We also offer a range of other pension solutions, including the option to create white-labelled funds and investment solutions.
Learn about workplace pensions
From auto-enrolment rules to comparing details of different scheme types. This is where you’ll find the information you might need about providing pensions for your employees.
Workplace pensions explained
Types of workplace pension – what are they and how do they work?
Discover the different types of workplace pension, how they work, and which one is best for your business.
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Employers
How to choose a workplace pension provider
Find out how to choose a workplace pension provider that aligns seamlessly with your business.
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Auto-enrolment
Company pension contributions
Find out more about the company pension contributions you need to make as an employer.
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Workplace pensions explained
Contract and trust-based pensions – what’s the difference?
Find out the difference between contract and trust-based pensions and the benefits they offer to employers.
Aviva Master Trust Trustees UK Limited. Registered in England and Wales No. 14811662. Registered office: Aviva, Wellington Row, York, YO90 1WR. The Aviva Master Trust is authorised and regulated by the Pension Regulator.
Aviva Life & Pensions UK Limited. Registered in England and Wales No 3253947. Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 185896.
Aviva Investment Solutions UK Limited. Registered in England and Wales No. 6389025. Aviva , Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm reference number 515334.