Trust-based pensions

Flexible, tailored pension solutions

What we offer

Our trust-based pensions are aimed at medium to large employers, offering specialist governance, implementation and asset transition services. We have supported nearly 8,000 employers with assets over £10.5 billion.

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, our award-winning Master Trust combines expert governance with quality investment choice and can be tailored to suit the specific needs of an employer’s plans. 

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

Aviva Master Trust is an award-winning pension solution, that’s authorised by the Pensions Regulator and aimed at medium to large employers. It combines expert governance provided by its fully-independent trustees with quality default investment solutions and investment fund choices.

Why choose us

Tailored solutions

Our trusts are designed to look after what an employer needs, however every company is different, which is why we tailor our product to look after your specific 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 300 years and have over 33 million customers worldwide. As a composite insurer, we're able to spread our risk across different markets. We have consistently high ratings from all major credit-rating agencies and continue to be a trusted name in the industry.

Investment solutions


Our Trust pensions schemes have received a number of prestigious awards.

2019 Winner European Pensions Technology Provider of the Year@
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Winner DC