Aviva Investment Account

A smarter way to invest

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Our Investment Account

Invest beyond your ISA allowance with our professionally-managed funds and track how they’re performing at any time. Whether you’re new to investing or know exactly what you want, we can help. Remember, investment values can fall as well as rise, so you could get back less than you put in.

Flexible and affordable

Start with a lump sum of £500 or pay in as little as £50 a month.

Fair charges and no hidden costs

Our maximum yearly charges start at 0.40% plus any Fund Manager Charges.

Your investments in one place

Manage and track your investments with our online investment service.

Plus, access  a selection of tools which could help you understand how investments work, as well as useful articles and guides for further insight into the world of investing.

Is investing right for you?

Every investment decision is based on your risk and return appetite and the way you’d like to invest.

Why an investment account?

Investment accounts allow you to invest in professionally-managed funds that trade in investments on your behalf. There’s risk attached to it, as the value of your investment could go down, but it has the potential to give you bigger returns than a savings account.

How do you choose?

If you’re not sure where to start, we have 4 ready-made growth funds you can choose from based on the level of risk you’re happy to take. If you’d like a little more choice, our Aviva Investors experts have put together a shortlist of around 70 funds for you, or simply build your portfolio from our full range of funds.

What our Investment Account offers

Choose our Investment Account if you’ve already used your yearly ISA allowance. Choose from a wide range of fund options and effortlessly manage your account online.

Access your money any time

  • Put money in or take it out when you want to
    You can withdraw your money whenever you need it. Keep in mind that the funds are designed to perform over 5 years or more, so taking money out might not maximise your potential returns.

Keep track of your investments

  • View your investments on any device, anytime
    With our online investment service, you can track and manage your money easily. Check in on your phone, tablet or computer, and search for specific funds quickly and easily.

Expert advice

  • We're here to help, when you need it
    If it’s application or transfer information you’re looking for, tools, videos, and guides, even financial advice, we can point you in the right direction.

Fair charges up-front

  • So you know exactly what you’re paying
    Our charges start at just 0.40% a year for investments under £50,000. Each fund also has a Fund Management Charge clearly set out in its Key Investor Information Document or Key Information Document.

Switch investment funds

  • Change your funds without charge
    Our online investment service enables you to change your funds and contributions by type and amount and we don’t charge you for switching funds or making withdrawals. In exceptional circumstances there may be a delay in switching funds.

Fair and transparent charges

Our Investment Account charge is made up of two simple costs.

There's our Aviva Charge, which is up to 0.40% of the value of your investments, calculated daily and charged monthly. And your Fund Manager Charge, which depends on the funds you pick. This charge is incorporated into the price of the fund rather than being taken out of your account.

Here's an example of how much you'd pay in your first month for £1,000 invested in a ready-made fund with a fund charge of 0.35%.

Aviva Charge (£0.33) plus Fund Charge (£0.29) equals the total charge (£0.62), as an example.

Our competitive Aviva charge

Our charge is a percentage of your total investment, up to a maximum of 0.40% a year, and is based on how much you’ve invested with us. The more you invest, the lower the percentage you'll pay, as shown in the table.

Invested value Annual charge
First £50,000 0.40%
Next £200,000 0.35%
Next £250,000 0.25%
Amount above £500,000 0%

You can log into your account at any time to check your exact charge.

One combined fee from Aviva

If you have more than one type of investment with our online investment service – including an Aviva Stocks & Shares ISA, Investment Account or Pension – then you’ll only pay one simple fee to use them all. It’s a great way to keep more of your hard-earned money in the long term.

Read our terms and conditions (PDF 180 KB)

Paying your fee

Your fee comes out of the cash in your account. Interest there is at our variable rate and may be positive, zero or negative. Current details can be seen here. Please note, if the interest rate is less than our Aviva Charge, the amount in your cash account will go down.

Alternatively, this charge will come out of your investments if you don’t have enough cash in your account. Don't worry – we’ll always let you know before we do this. See our terms and conditions for full details.

Fund Manager Charge

The fund or funds you choose may incur an extra charge to cover the costs and expenses of managing the investments. Each fund has an individual charge which can be found in the Key Investor Information Document. This also appears as an ongoing charge figure (OCF) on your statement.

How to pick your funds

See what method of picking a fund might suit you best.

Ready-made funds

Choose from a range of funds fully managed by Aviva Investors - including growth funds run with varying risk levels.


See how it works

Experts’ shortlist

Don’t want to browse thousands of funds? Then choose from our experts’ shortlist instead.

You’ve got passive funds which aim to track the value of a particular group of companies or markets, as well as active funds which try to beat the overall return of that market.

To make it into our shortlist, our experts at Aviva Investors believe these funds to be managed by high quality companies and fund managers with strong governance and control processes.

How the shortlist is put together

Check out the shortlist

Self-select investments

If you’re confident in picking your own funds to invest in, browse the full list in our self-select investment service.

Pick your funds from sectors including equities, property, gilts and more, as well as specific fund management companies. You can even focus on ethical funds if you want.

Explore the full range

Tax you'll pay

You may need to pay Income Tax or Capital Gains Tax on any returns or income you make from an investment account. So you might want to think about investing using a stocks & shares ISA as a first step.

How much?

The amount of Income Tax and Capital Gains Tax you pay depends on your personal circumstances.

We automatically deduct income tax at 20% from any interest you receive. If you pay tax at a higher rate, you will have more tax to pay to HM Revenue & Customs (HMRC). If you pay tax at a lower rate or have unused Personal Savings Allowance, you may be able to get a refund from HMRC.

Dividends

Any dividends we pay you from your investment will have no tax credit or Income Tax deducted. You’re usually entitled to the Dividend Allowance, meaning you’ll receive the first £2,000 of dividends each year tax- free. But any dividend amount above that will be taxable. We  won’t make any deduction for Capital Gains Tax, but you may have Capital Gains Tax to pay (through self-assessment to HMRC) if your total gains in a tax year are higher than your annual allowance. 

Need help?

If you need a recommendation based on your personal tax position, you should seek professional financial advice. Visit our Financial Advice page for more information. We’ve based our information on current UK legislation, but this may change in the future. 


We will always adhere to our 'best execution practices' as set out in our latest order execution policy (PDF 149 KB). What's more we also have a policy to prevent conflicts of interest (PDF 103 KB) that might affect your investment. And if there's ever one we can't prevent we promise to let you know.

Ready to start investing?

To complete your application you'll need:

  • A MyAviva account - if you don't have one already, registration is free and only takes a few moments
  • Your national insurance number at hand
  • Your bank details or debit card information to set up payments into your account

Other ways to invest

Looking for a different kind of investment? Haven’t used your ISA allowance this tax year? Our stocks & shares ISA could suit you.

Aviva Stocks & Shares ISA

Make the most of saving for tomorrow by investing in a tax-efficient stocks & shares ISA.

Learn more about investing

Not sure if you should invest your money? Take a look at our investment knowledge hub to learn more.

Our Investment Knowledge Hub

The world of investments can feel a bit daunting at first. That's why we set up our knowledge hub to teach you the basics before you get started, so you feel confident and ready to go.

You’ll learn what an ISA is, the different types of investment fund, how to navigate the risks and rewards of the stock market and more.

Contact us

Still need some help? Give us a call

0800 285 1088

Monday to Friday: 9:00am – 5:00pm

Saturday and Sunday: Closed

Telephone calls may be monitored and will be recorded and saved for at least five years. Calls to 0800 numbers from UK landlines and mobiles are free.

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

The value of your investment can go down as well as up and you could get back less than you paid in. This is not a personal recommendation. If you need a personalised recommendation based on your personal circumstances, you should seek financial advice.

Platform provider: 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.