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.
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. And your Fund Manager Charge, which depends on the funds you pick.
All costs are calculated daily and charged monthly. 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%.
Our competitive Aviva charge
Our charge is a percentage of your total investment, up to a maximum of 0.40%, 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|
|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, an Aviva Investment Account or an Aviva 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.
Paying your fee
Your fee comes out of the cash in your account. We’ll pay you interest at our variable rate which you can see 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.
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.
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.
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.
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.
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.
- 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% for investments under £50,000. Each fund also has a Fund Management Charge clearly set out in the 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.
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.
Help and support
We’re always here to help – if and when you need it.
Manage your investments
Already have an investment with us? If it's linked to your MyAviva account, log in to manage it. If it isn't, we can help you find out how to access it.
Take a look at our latest news and guides.
What is investing?
Find out how you could make your money work smarter with our easy-to-understand guide.
How to make the most of your investments
Explore six things we think every investor should be doing.
Investing in funds: the basics
Thinking of investing? Here’s what you need to know about funds
Am I financially ready to invest?
You might think you don’t have enough money to start investing, but you may be closer than you think.
Understanding investment risk
What risk means for your money and how to manage it.
Ways to save money for your children
Find out the difference between opening Junior ISAs and using your own ISA allowance.
How do we pick our Experts' shortlist investment funds?
Learn how we pick our Expert shortlist investment funds.
Capital gains tax explained
Capital gains tax may apply to the profit when you sell a capital asset you own that’s increased in value. Find out how this could impact you.
Don’t lose your ISA allowance
Your ISA allowance is 'use-it-or lose-it'. Find out how to make the most of your 2019-20 allowance.
Discover the tax-efficient junior ISA (JISA)
We all want our children to have the best start in life, with a Junior ISA, they can look forward to a cash sum at 18 and a brighter future. Find out more here.
How do ISAs work?
Our guide to how ISAs work, your annual allowance and the types of ISA to choose from.
Risks and rewards of investing
Our guide to the pros and cons of different types of investments.
How to invest money in your 50s
Our guide to reviewing your investments as you think about retirement.
Am I ready to invest?
Our guide to getting started in the world of investments.
How to invest money in your 30s
Looking at your investments as you take the next step of your working life.
How to invest money in your 20s
Top tips for saving and investing if you're at the start of your working life.
We're sorry but we're unable to take your call right now. Due to the coronavirus outbreak, we’ve decided to close our offices to ensure the wellbeing of our employees. If you need help and support, please email us and we’ll get back to you as soon as we can. Our operators will be working during the following times:
Monday to Friday: 8:00am - 6.30pm
Saturday: 8:30am - 12:00pm
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.
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Aviva UK Digital Limited introduces to Aviva Wrap UK Limited for the Aviva Investment Account.
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. Aviva UK Digital Limited introduces to Aviva Wrap UK Limited for ISAs.
Aviva UK Digital Limited is registered in England No. 09766150. Registered office: St Helen’s, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 728985.