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 2019/2020, 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 & shares ISA?
Stocks & 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 & shares ISA could be just for you.
Fair and transparent charges
We’ve tried to keep things clear and simple. There are some charges associated with our Aviva Stocks & Shares ISA. Here's how they work.
We charge an annual fee for managing your investments that works tier by tier.
So the charge for the first £50,000 is 0.40%, the next £200,000 is 0.35%, and so on. We calculate the cost daily and take payment monthly from your cash account where money’s held before it's 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 stocks & shares ISA , 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. See our terms and conditions for full details.
|Your investment||Annual charge|
|Amount above £500,000||0%|
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.
When you open the Aviva Stocks & Shares ISA, you can manage everything online – including all of your account information – free of charge. If you’d prefer to receive paper copies of any documents, we charge an extra £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. 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.
Before you invest
To open an Aviva Stocks & Shares ISA, you'll need to be eligible and to set up your payments. There's also a level of risk you'll need to be aware of.
You can open an account if:
- You're aged 18 or over
- You're a permanent resident in the UK or you or your spouse or civil partner work overseas for the UK Government
- You haven’t exceeded your annual ISA allowance this tax year
- You haven’t already opened this type of ISA this tax year
You'll need to:
- Set up regular payments of at least £50 a month, or make an initial payment of at least £500
- Understand that the value of your investment can go down as well as up and you could get back less than you paid in
What the Aviva Stocks & Shares ISA offers
Our Aviva Stocks & Shares ISA is 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 on what you’ll get back on your investment over the long term.
- Access your money at any time
Withdraw and pay back money in the same tax year without affecting your allowance.
- Monitor and change your investments
You can view how all of 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.
- 3 ways to choose
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.
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.
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.
Wealthify offers ISAs, Junior ISAs and general investment accounts in a remarkably simple way.
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 news and guides.
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.
Investing terms explained
Getting confused with investing jargon? Here’s our helpful guide to the terms you need to know.
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.
How to invest money in your 60s
Tips for managing your investments if you're thinking of retiring.
How to invest money in your 40s
Tips for managing your money as your career and family grow.
Still need some help? Give us a call.
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Saturday: 8:30am – 12:00pm
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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.
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.