Trust-based pensions
What we offer
Our trust-based pensions are aimed at medium to large employers, offering specialist governance, implementation and asset transition services.
Our trust-based pension schemes
We offer several different trust-based pension schemes.
The value of investments can go down as well as up and members may get back less than has been paid in.
Aviva Master Trust
Aimed at medium to large employers, the Aviva Master Trust combines expert governance with quality investment choice. We can tailor each employer's section to suit their needs.
Own Rules Trust
This scheme is overseen by your own board of trustees. We work directly with the board to provide administration services and retirement benefits for members.
Group Additional Voluntary Contribution
Our group AVC plan sits alongside an employer’s occupational scheme and lets members pay in extra to build up their personal fund.
Section 32 Buy-out
Gives employers and trustees a hassle-free way to either wind up a scheme or transfer deferred members. It offers security and peace of mind for both trustees and members.
Aviva Master Trust
Authorised by the Pensions Regulator, the Aviva Master Trust is a fully independent solution to providing a hassle-free workplace pension scheme.
A recognised high-quality scheme, it offers a range of benefits and choice of investment options, delivering value to members whilst taking care of compliance and governance.
Why choose us?
Tailored solutions
Our trust solutions are designed to look after what an employer needs, but we know that every company is unique. It's why we tailor our products to ensure we can suit each company's different requirements. Our specialists will work with you and the trustees to get the best fit for your company and the best outcome for your members.
Stability & credibility
We've been around for more than 325 years and have 18.5 million customers across the UK, Ireland and Canada. As a composite insurer, we're able to diversify our risk across different markets. We've had consistently strong ratings from major credit rating agencies, and we continue to be a trusted name in the industry.
Investment solutions
My Future
My Future is the alternative default solution and has been designed to help members save for their retirement. Risk is managed throughout the retirement journey thanks to the mix of assets in the My Future funds, including company shares and bonds. This approach aims to grow members’ pension savings in the earlier stages of the journey and then focus on preserving members’ capital as they get closer to retirement. Responsible investment is integrated into My Future.
My Future Focus
My Future Focus is the Aviva Master Trust default investment solution, designed to give members the opportunity to benefit from gains in the world's financial markets. It aims to minimise any unexpected volatility, particularly as members approach retirement. Responsible investment is fully integrated into My Future Focus.
ESG considerations are a non-binding but critical part of the investment process viewed alongside other risk factors. Aviva Investors' portfolio managers are empowered to make the right decisions for the best investment outcome.
Stewardship Funds
Designed to incorporate ethical and environmental, social and governance (ESG) considerations, the Stewardship lifestyle default solution helps members save for their future while actively contributing to a sustainable long-term future for the world around them. These funds are available for members to select.
My Future Choice
This comprehensive range of funds offers employers risk-graded default investment solutions for UK workplace pensions. It can help provide robust retirement solutions for all sizes and types of business. This is only available on the Unisure platform.
Not what you’re looking for?
Contract pensions
The easy-to-use option, ticking all the boxes for a workplace pension. Whether your business is small or large, our contract pensions have been designed to help your employees save for retirement.
Set up or switch your workplace pension scheme
If you’re an employer, adviser or payroll professional, you can find out more about our workplace pension and get a quote.
Savings and investment options
We offer several different options giving your employees more ways of putting money toward short- or long-term goals.
Business perspectives
The latest views and opinions covering the business sector
Contract and trust-based pensions
We look at the differences between contract and trust-based pensions.
What’s a master trust?
The past few years have seen a huge increase in the number of people investing for later life in Occupational Pension Schemes (OPS).
What’s driving the move to master trust?
What's the attraction?