What are Aviva's multi-asset funds?
Explore ready-made funds, including our our multi-asset, actively managed options.
Key points
- Ready-made funds are different types of investments grouped together, based on their level of risk.
- They’re a simple way to start investing, or if you want to take a more hands-off approach with your existing investments.
- Our ready-made funds are multi-asset and actively managed, making them our core investment option.
If you're thinking about investing but not sure where to start, or you'd prefer to take a more hands-off approach, ready-made funds can be an option. Aviva's ready-made funds are designed to give you simple, effective investment management from our experts at Aviva Investors.
As with any investment, the value of your funds can fall as well as rise, and you might get back less than you've invested.
What are ready-made funds?
Ready-made funds are professionally managed investment options designed to take the stress out of choosing where to invest your money.
Instead of researching and picking individual investments yourself, a fund manager does it for you – selecting and balancing a mix of assets like shares, bonds, and other investments to suit different levels of risk and financial goals.
Think of it like having an expert prepare a packed lunch: everything is chosen and portioned for you, so you can simply pick the option that matches your appetite for risk and how long you plan to invest.
Why choose ready-made funds?
When it comes to beginner investing, there’s a lot to think about. Ready-made funds give you simplicity, expert management and take up less of your time.
They can also help when it comes to diversification. This means spreading your money across industries and areas, which can reduce your investment risk levels. Any potential losses in one area could be balanced out by gains in another.
You can match your funds to your personal investment goals, by choosing to invest in certain areas you’re interested in, like tech or sustainability. Or if there’s certain regions you want to invest in, like Europe or the US, you can do that too.
Funds also come with the option of focusing on growing your investments or providing a regular income. Whatever it is you’re looking to get out of investing, ready-made funds can be a great place to start.
Introducing our multi-asset funds
Our multi-asset funds (MAFs) are managed by our in-house team at Aviva Investors.
Their global approach to investment, paired with their expertise and experience, helps provide peace of mind when thinking about your financial future.
They invest in a wide range of asset classes across different asset classes and regions – like shares, bonds and property. This is matched to your approach to risk and is designed to help smooth out the highs and lows of market movements.
Our fund managers keep a close eye on the markets to buy and sell investments in your fund when it’s needed. While funds can still lose value when markets go down, these changes can help reduce potential losses and position your investments for recovery. They’ll take into consideration things like:
- market trends
- interest rates
- government and corporate policies
- different types of risk
Basically, they do the hard work so that you don’t have to. By choosing our MAFs, we can help you to reach your long-term investment goals.
In this video, Harriet Ballard, Portfolio Manager within the Multi-Asset Funds team at Aviva Investors, helps you understand ready‑made multi‑asset funds, explaining how they combine different assets within a single managed investment. Learn how these funds are designed to provide diversification and suit different investor needs.
Transcript
Chapter 1: Understanding ready-made multi-asset funds
This video is for educational purposes only. This should not be viewed as advice or a recommendation to invest.
When you start investing your first thought might be buying shares in a company but that’s a bit like buying bread from a bakery. While shares are often where people start their investment journey, there is a much broader universe of assets to invest in. No one could live on bread alone, we all need a balanced meal.
The value of your investment may go down as well as up and you could get back less than invested.
A multi-asset fund is like going to the supermarket where you can get all the ingredients you need in one place. Multi-asset funds blend together investments in shares, also known as equities, as well as credit, government bonds, currencies and alternative assets to create the balance you need. This blend of assets is ideal for building your wealth which is why we’ve created a range of ready-made multi-asset funds that you can use within your pension or investment savings account. Think of a ready-made fund like a ready-made meal. It’s designed to save you time and effort whilst still giving you a balanced mix. Instead of buying all the ingredients from the supermarket and spending hours in the kitchen, you can just pick the one that’s already made for you. No prep, no cookbooks, no stress. All you need to decide is what you want to eat.
At Aviva, our ready-made funds are all about keeping things simple and flexible, with options to suit different goals and risk comfort levels. And you can check in on your money at any time through the MyAviva app.
This video is for educational purposes only. This should not be viewed as advice or recommendation to invest. Investing offers the potential for better returns than cash savings over the long term (5+ years). But there are risks, the value of your investments may go down as well as up, and you may get back less than invested. If you want advice on investment choices, then we’d recommend speaking to a financial adviser. There may be a charge for advice.
This video is part of our wider Each chapter is designed to work alone, so you can jump in wherever you like.
Choosing the right fund for you
We offer a range of investment choices to suit different goals and risk levels, including our multi-asset funds. Risk can impact the potential for growth, but also for losses.
Before investing, you should think about how comfortable you are with risk. It also helps to think about what your growth goals are – what exactly do you want to get out of investing?
Our four risk options range from low to high. Read more about our ready-made fund options to help decide which one works best for you.
Lower
You’re happy with some returns and are aware these might be small, in order to limit fluctuations.
Lower to Medium
This increases your chances of higher returns, while still aiming for smaller fluctuations.
Medium to High
You’re happy to accept a higher risk of fluctuations to increase your chances of higher returns.
Higher
This increases your chances of large returns, with a higher risk of fluctuations.
If you don't think our ready-made funds are for you, we have other types of funds available. Our experts' shortlist and self-select funds are also available if you're a more confident investor. As with any investment, the value of your funds can fall as well as rise, and you might get back less than you've invested.
How to get started
Getting started is simple – explore the funds we offer and see if they feel right for your goals.
If you decide to invest, you can apply or transfer into an Aviva ISA, General Investment Account (GIA), or Self-Invested Personal Pension (SIPP). If you already have an account with us, you can do this online or within MyAviva.
Our ready-made funds are a core option and can be an easy way to start investing and spread risk – but it’s important to check if they suit your needs before making a decision.
Ready to start your investment journey?
Explore our ready-made fund options and see how easy it is to start investing with Aviva.
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