Why invest in a fund?
Funds take a lot of the legwork out of investing. Rather than researching and choosing individual investments yourself, a fund includes a basket of different ones. It's a popular way to invest as you can match the fund to your long-term goals or choose things like the industry type or global region. It can also be a good way to spread your investments to help balance any big losses in one area – this is called diversification.
As with all investments, the value of funds can go down as well as up, and you may get back less than you’ve put in.
How investing in funds works with us
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Use the account that suits you
Invest using either your Aviva Stocks & Shares ISA, Pension or Investment Account. Save from £25 a month – or start with a lump sum.
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Invest your way
You have control over the way you invest in funds with us, as we give you four simple options to start with. So, whether you're new to investing or more experienced, it's easy to get started.
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The right tools
When you've chosen your funds, our award-winning online service makes it easy to stay updated with how they're performing or make any changes.
Ways to invest with Aviva
Your first step is to choose a suitable way to hold your investments, based on your long-term goals. See if one of these fits the bill.
Aviva Pension
Take control of your retirement with our self-invested pension. You can easily manage your account online, choose where to invest your money and get tax relief on eligible payments.
Aviva Stocks & Shares ISA
With our Stocks & Shares ISA you can use your £20,000 ISA allowance each tax year and your gains will be free from UK Income Tax and Capital Gains Tax.
Aviva Investment Account
If you want the flexibility to invest beyond your pension and ISA allowance, choose our Investment Account.
Our investment fund options
There are four options for investing in funds with us.
Universal Retirement Fund
This gives you a simple way to save for retirement in an Aviva Pension. It’s based on your age and the investments in the fund are managed for you, so their risk level reduces closer to a retirement date you set.
Ready-made funds
Ideal if you're starting out investing. This range of funds is fully managed for you by Aviva lnvestors, with different levels of risk, and the choice of aiming to grow your investment or taking some as an income.
Experts' shortlist
If you're a little more confident you can pick from a list of 80 funds put together by our investment experts. They're reviewed regularly to make sure they meet our high standards for performance.
Self-select funds
If you're a savvy investor, you can put together your own fund selection from a list of over 5,000. Here you can choose international markets you want to invest in, whether you want to pick ethical funds and other options like actively managed or tracker funds.
If you have an Aviva workplace pension or an older investment product, explore your investment options here instead.
More ways to invest
With Aviva, you’re not limited to investing in funds. If you’d prefer to use individual UK shares, you can buy and sell online with us too. You can also choose from a range of exchange traded funds (ETFs) and investment trusts.
Our investment fund charges
There's an Aviva Charge of up to 0.4% of the value of your funds in your Aviva Stocks & Shares ISA, Pension or your Investment Account, calculated daily and taken monthly.
There's also a Fund Manager Charge to cover running costs. You’ll find information about this in the Key Investor Information Document which you can see when choosing your funds - it's often shown as the ongoing charges figure.
Although more common with investment trusts, some funds will charge a performance fee – based on how well it does. This can also be found in the Key Investor Information Document.
Read more about charges and how they're paid from your account here.
Investing sustainably with us
Use our investment preference tool to find funds that match your values across environmental, social and governance (ESG) issues. Capital at risk.
Need financial advice?
If you need help with your investments, you might want to speak to a financial adviser. Find your local adviser at unbiased.co.uk. There may be a charge for advice.
Top up your knowledge
Keen to understand more about funds and investment risk, or learn all about ISAs? Our articles can help beginners and keen investors understand more about the world of investing.
Contact us
Still need some help? Give us a call
0800 285 1088
Monday to Friday: 8:00am – 5:30pm
Saturday and Sunday: Closed
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 myinvestmentportfolio@aviva.com and we'll get back to you as soon as we can.
Pension product provided by: Aviva Pension Trustees UK Limited. Registered in England No. 2407799. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 465132.
Platform provider and ISA 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.