Investment funds

Funds offer a wide range of investments in one place

Bundling investments together in funds is an easy way to get started with investing

  • Choose a fund option based on your experience, with the aim of reaching your long-term goals
  • At Aviva we give you four easy starting points
  • Use them in an Aviva Stocks and Shares ISA, Pension or Investment Account. Capital at risk

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

  • 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.

  • 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. 

  • 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. 

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.


Explore our Universal Retirement Fund "Explore our Universal Retirement Fund"

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.

Explore ready-made funds "Explore ready-made funds"

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. 

Explore Experts' shortlist "Explore Experts' shortlist"

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. 

Explore Self-select funds "Explore Self-select 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.

Need financial advice?

If you need help with your investments, you might want to speak to a financial adviser. Find your local adviser at 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 and we'll get back to you as soon as we can.