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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.
Fair and transparent charges
We’ve tried to keep things clear and simple – so it’s easy to understand the charges before investing.
Our annual charge for managing your investments works on a tiered basis.
|Invested value||First £50,000
||Amount above £500,000
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 where money’s held before being invested.
The cash account is where your money is held until you allocate it to investment funds. We pay interest on money held in the cash account at our variable rate. If the variable interest rate is less than what we charge for managing your Aviva Investment Account, the amount in the cash account will go down.
If there's not enough money in the cash account to pay your charges, we’ll automatically take the money from your investments. But don't worry, we’ll always let you know before we do this.
We look at all of the accounts you have with the online investment service –which offers the Aviva Pension, Investment Account and Aviva Stocks & Shares ISA – when calculating your charge.
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).
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.
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 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.
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.
23 Jan 2018
Investing for beginners
Our guide to getting started in the world of investments.
23 Jan 2018
Risks and rewards of investing
Our guide to the pros and cons of different types of investments.
23 Jan 2018
How to invest money in your 20s
Top tips for saving and investing if you're at the start of your working life.
23 Jan 2018
How to invest money in your 30s
Looking at your investments as you take the next step of your working life.
23 Jan 2018
How to invest money in your 40s
Tips for managing your money as your career and family grow.
23 Jan 2018
How to invest money in your 50s
Our guide to reviewing your investments as you think about retirement.
23 Jan 2018
How to invest money in your 60s
Tips for managing your investments if you're thinking of retiring.
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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