Aviva Investment Account

A smarter way to invest

Open an account

The value of your investment can go down as well as up and you could get back less than you paid in.

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.

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 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 some 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 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 more than 2,000 funds.

Fair and transparent charges

We’ve tried to keep things clear and simple – so it’s easy to understand the charges before investing. 

Aviva Charge

Our annual charge for managing your investments works on a tiered basis.

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

So the charge for the first £50,000 is 0.40%, the next £200,000 is 0.35%, and so on. This is calculated daily and taken monthly from your cash account 1 where money’s held before being invested. 

We take a look at all of the accounts you have with us – including our Investment Account and Aviva Stocks & Shares ISA – when calculating your charge. That way, the greater the value of your investments, the lower the percentage you’ll pay, giving you great value.

Read our terms and conditions

Paper correspondence charge

We’ll automatically set you up to receive all account information via your online account – that’s completely free of charge. If you'd prefer to receive paper copies in the post, there’s a charge of £3 per month to cover the cost.

Fund Manager Charge

The fund or funds you choose may incur an extra charge to cover the costs and expenses of managing the investments. This amount is specific to the fund and you can find this in the Key Investor Information Document or Key Information Document for each fund. We also refer to this amount as an Ongoing Charge Figure (OCF).1

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. 

Before you invest

There’s some criteria you need to meet and a few things you’ll need to consider before you start investing.

You can open an account if:

  • You're over 18 
  • You are a permant resident in the UK

You may also be eligible if you or your spouse or civil partner work overseas for the UK Government.

You'll need to:

  • Make regular payments of at least £50 a month (or an initial payment of at least £500)
  • Accept that the value of your investments could go down as well as up and you may get back less than you invested

Ready to start investing?

Choose one of 3 ways to invest, or open an account and choose your funds later.

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 the long term, 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

  • Whenever you need it – day or night
    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 funds whenever you want
    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.

Important documents

Before opening an investment account, take a look at  these helpful documents.

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.

Contact us

Still need some help? Give us a call.

0800 285 1088

Monday to Friday: 08:00 – 17:00

Saturday: 08:30 – 12:00