Make the most of your ISA allowance
Take control of your investments with our Aviva Stocks & Shares ISA. With an ISA allowance of £20,000 for 2020/21, it’s a great way to invest your money for the medium to long term. You can pick from our growth and income ready-made funds or select funds yourself from our full range.
From £50 a month
Start with a lump sum of £500 or pay in as little as £50 a month.
Manage and track your ISA with our online investment service.
Take money from your ISA whenever you need to.
So whether you’re investing for a once-in-a-lifetime holiday or a rainy day, our Aviva Stocks & Shares ISA could suit you. Remember, investment values can fall as well as rise so you could get back less than you put in.
Is a stocks and shares ISA right for you?
Every investment decision is based on your risk and return appetite, the way you’d like to invest, and understanding how ISA's work.
What is a stocks and shares ISA?
A stocks and shares ISA is a tax-efficient investment account that suits those looking for a more long-term investment. Instead of a set interest rate each year, you invest your money in the stock market by picking from a range of funds. You get the flexibility of being hands-on or hands-off with your level of involvement and have the control to choose the investment you're comfortable with.
Why a stocks and shares ISA?
Stocks and shares ISAs carry more risk than a cash ISA or a savings account, but could also increase your gains. Of course, this does mean you’ll need to be comfortable with the ups and downs of the market, but depending on your risk appetite, a stocks and shares ISA could be just for you.
Why invest with the Aviva Stocks & Shares ISA?
Our Aviva Stocks & Shares ISA offers you a tax-efficient way to invest for your future. You can manage everything easily online and access your money whenever you need to.
- No Income Tax or Capital Gains Tax
ISAs are exempt from these taxes, which can make a big difference to what you’ll get back on your investment over the long term.
- Fund choice
Choose from our ready-made funds aiming for growth or income, use our Aviva Investors experts' shortlist, or select what you want from our full range of funds.
- Easy access
Take your money at any time and pay back money in the same tax year without affecting your allowance.
You can view how all your investments are performing and make any changes, all in one place online. In exceptional circumstances, there may be delays in selling or switching funds.
Fair and transparent charges
Our ISA 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 £5,000 invested in a ready-made fund with a fund charge of 0.35%.
Our 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.
|Your investment||Annual charge|
|Amount above £500,000||0%|
You can log into your account at any time to check your exact charge.
One combined charge
If you have more than one investment product with our online investment service – including our Stocks & Shares ISA, Investment Account and Aviva Pension – you'll only pay one simple charge for them all. Another way you can hold onto more of your hard-earned money in the long-term.
Paying your charge
Your charge comes out of the cash in your account. We’ll pay you interest at our variable rate which you can see here (PDF 70 KB). Please note, if the interest rate is less than our Aviva Charge, the amount in your cash account will go down.
If you don’t have enough cash in your account, this charge will come out of your investments. Don't worry – we’ll always let you know before we do this.
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 it works
To get started, all you need to do is:
Sign up or log in to MyAviva, our online portal for managing your details. Set up your ISA username and password then apply for an account.
Pay into your new account and choose your investments to finish your application.
Log in to check up on the performance of your investments and manage your account.
You have three ways to choose a fund. Or, if you need more time, you can leave your money in the cash account and decide later.
Remember, our Stocks & Shares ISA focuses on investment returns over cash savings, so you won't want to leave money in the cash account for longer than you need to.
Choose an investment style to suit your needs with one of our income or growth funds. Set a risk level you’re comfortable with –the professionals at Aviva Investors will look after everything for you.
All our growth funds have the same maximum fund manager charge of 0.35%. Our income fund has a slightly higher charge of 0.75%.
Don’t want to browse thousands of funds? Then choose from our experts’ shortlist instead.
You’ve got passive funds which track the value of a particular group of companies or markets, as well as active funds which try to beat the overall value 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.
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-only funds if you want.
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?
To open an account or transfer an existing ISA you’ll need:
- A MyAviva account – if you don't have one, registration is free and only takes a few moments
- Your National Insurance number
- Your bank details or debit card information to set up payments into your account
Other ways to invest
There's more than one way to make your money work harder. Here are a few other ways you can do it with us.
Aviva Investment Account
If you’ve used your ISA allowance you can open an investment account and manage everything on our easy-to-use online investment service.
Transfer your ISA
Our straightforward process makes transferring your ISAs and investments to us easy and simple.
Help and support
We’re always here to help – if and when you need it.
Need a helping hand?
If you’re not sure if investing is right for you or which funds to pick, you might need to see a financial adviser.
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.
Still need some help? Give us a call.
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.
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 and ISA Manager: 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.
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