Award logo: YourMoney.com Investment Awards winner - Best investment platform for beginners

Aviva Investment Account

Stretch your investments beyond your ISA allowance

It's important to read the information on this page before you get started, but here's why an investment account could suit you:

  • Potential to grow your money faster than cash savings (although there are no promises)
  • Ideal if you've used your £20,000 ISA allowance for the tax year
  • You can set a level of investment risk you're happy with

What is a general investment account?

It’s a way of investing that you can shape. Put your money into ready-made funds – set at a level of risk you're comfortable with – or sift through and pick out your own funds or shares. As there's no ceiling on how much you can put in each year, many people see it as an excellent path to invest beyond their £20,000 annual ISA limit.

Investment accounts have the potential to grow by more than a cash savings account, although they do have a higher level of risk. And leaving your money in an investment account over a longer time (experts often recommend 5 years or more) can boost your chance of a positive return.

They don't have the same tax-efficient benefits – sometimes known as a tax wrapper – as a stocks and shares ISA, so you may pay tax on any returns you make, depending on other income you have.

Always remember, investment values can fall as well as rise, so you could get back less than you put in.

How our investment account could work for you

  • Get investing from £25 a month

    That’s all you need to commit to – or start with a lump sum of £500

  • Simple to start, easy to stay in control

    Choose how you invest and hold the risk level in your hands. You can then keep eyes on your investment through your PC, tablet or mobile

  • Fair charges in plain view

    Our charge is no more than 0.40% a year. There are also charges for investments which are clearly shown when you pick them. We'll explain more about charges below

What to think about before opening an investment account with us

 Investment account benefits and considerations

Benefits

  • Invest your way
    Decide how hands-on you want to be. Choose from ready-made funds to a portfolio you build yourself, including ethical and environmental options. You can also choose from shares and other exchange traded investments.
  • You can transfer existing funds
    Keep your non-ISA investments together by moving funds you have elsewhere, if we’re able to accept them.
  • Check on your investments any time, anywhere
    When you open an investment account, you have the keys to your own secure online portal. Inside, see how your investment’s performing, search out specific investments and turn the dial up or down on your contributions. Details of any Aviva SIPP or ISA you applied for online are in there too.
  • There’s no charge for fund changes or withdrawals
    Be as hands-on with your investments as you please, because we charge absolutely nothing to switch from one fund to another – or take money out. There are occasional delays while switching, but it’s usually rare.

Things to consider

  1. It’s for the longer term
    Seeing your investments go up and down with market movements is normal. Don’t plan on doubling your money overnight, as there are often dips in the road ahead. As a general rule, leaving your money invested for five years or more gives it the best chance of overall growth. Saying that, no investment can promise you a positive return.
  2. There’s always risk
    Risk sounds scary, but it’s also what gives your money the opportunity to grow. It simply paints a picture of how big any upward or downward swings could be. You'll find a factsheet with every fund we offer that shows its risk level, helping you invest within your comfort zone.
  3. There are no tax boosts
    An investment account doesn’t have the freedom from tax that a stocks and shares ISA enjoys. There’s no limit on how much you can invest, but remember that you may need to pay income tax and capital gains tax on your returns.
  4. Fair charges up front
    We charge 0.40% a year for investments under £50,000 and, for each level of investment value above that, the percentage drops. There are separate charges for investing – read more about charges here.

Important documents

Before you apply for an investment account, make sure you read and understand all the details. If there’s anything you’re not sure about, it may be worth getting financial advice first.

Aviva Investment Account key features (PDF 205 KB)

Aviva Investment Account terms and conditions (PDF 212 KB)

Target Market Statement (PDF 110KB)

Try our investment calculator

Could an Aviva Investment Account help you tick off your money-growing targets? We’ll do the sums to give you an idea of how it might work out.

Our investments and charges

How to choose investments

There are four ways to decide how you invest in your account.

  1. The most straightforward approach is to pick one of our ready-made funds.
  2. If you’re a more experienced investor, you might prefer browsing a narrowed-down fund shortlist from our experts.
  3. The most confident investors can build their portfolio using our full range of funds.
  4. Finally, experienced investors can buy and sell shares and other exchange traded investments.

What are the investment charges?

There’s no charge for opening an Aviva Investment Account, or to transfer your investments to us. However, whoever you have your investment with now may charge you for leaving, so please make sure making a move adds up for you. Once you have an Investment Account open, these are the charges you can expect.

Funds

You'll pay an Aviva Charge of up to 0.40% for the value of your funds or cash, depending on how much you invest.

There's also a Fund Manager Charge that will depend on the funds that you've chosen. This charge is included in the price of the fund.

We won't charge you for buying or selling funds.

Shares and other exchange traded investments

You'll pay an Aviva Share Charge, which is 0.40% of their value, capped at £120 a year. 

There'll be a Fund Manager Charge for exchange traded funds and investment trusts that will be included in the price of the investment. 

When you buy shares and other exchange traded investments, there'll be a trading Charge of £7.50 for every trade you make.

There may be other charges you’ll need to be aware of. You can read about these on our charges page.

Why choose us for an investment account?

Your Money investment platform award

  • An award-winning choice
    We’ve won awards for our investment platform, and we keep making it better.
  • Our past, your future
    We've been helping people like you plan for tomorrow for over 325 years.
  • Invest in your future, and the future of the planet
    With our range of investments that take environmental, social and governance (ESG) factors into consideration.
Awards logos: YourMoney.com - Investment Awards winner of Best Investment Platform For Beginners and Best Investment ISA For Large Portfolio

Frequently asked questions

How much can I invest in an investment account?

Who can open an investment account?

How much does an investment account cost?

What's the difference between returns, interest and dividends?

Will I pay tax on my investment account?

Are dividends from my investment account taxed?

Investing responsibly with us

Use our investment preference tool to find funds that match your values across environmental, social and governance (ESG) issues. Capital at risk.

Other ways you can save and invest with us

Learn more about savings and investments

Not sure if you should save your money or use it to invest? Our articles can help outline the options open to you.

Contact us

Still need some help? Give us a call

0800 285 1088

Monday to Friday: 8:00am – 5:30pm

For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.

Alternatively, you can email us and we'll get back to you as soon as we can.

Platform provider and Investment Account Manager: Aviva Wrap UK Limited. Registered in England No. 4470008. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 231530.