Investing and saving for a brighter future

Understand the level of risk first: Investing offers the potential for better returns than cash savings over the long term (5+ years), but there are risks. The value of your investments can go down as well as up, and you may get back less than you’ve paid in.

Tax benefits are based on personal circumstances and are subject to change.

Before you transfer a pension, check if there are any valuable benefits you could lose, exit fees and investment fees.

Compare our saving and investment options

At Aviva, we offer a range of products and services to help build your wealth, whatever your experience level and goals.

Aviva Pension (SIPP)

A flexible pension that lets you invest for retirement in a way that suits you.

Start with a one-off amount or pay in monthly - and benefit from 20% tax relief or more
Invest based on how confident and experienced you are

Stocks & Shares ISA

A tax-free way to invest, choose from ready-made options or our full range of investments.

Save up to £20,000 a year and pay no income tax or capital gains tax on your returns
Get going with regular payments from £25 a month or a single payment of £500

Investment Account

Keep your investment options open when your ISA allowance runs out.

Choose from ready-made funds to a portfolio you build yourself, including sustainable and ethical options
You can set a level of investment risk that works for you

Open an investment account "Open an investment account"

Wealthify Junior ISA

Save for your child's future with a range of investment styles that are managed for you.

Invest from £1 to £9,000 per tax year with lump sum or monthly contributions
Invite anyone to contribute by using the 'Friends and Family' feature

Open a Wealthify Junior ISA ""

Get a welcome gift when you transfer to an Aviva SIPP

Gift card offer

An offer to receive up to £2,500 M&S, John Lewis or Amazon.co.uk Gift Card*. To get yours simply:

Apply to transfer a minimum of £20,000 before the offer ends on 31 March 2026.
Transfers must be completed by 1 October 2026.
Open to new Aviva Pension (SIPP) customers only.
Transfers of existing Aviva Pensions are not eligible for this promotion.
One gift card per customer. T&Cs apply.

Before you transfer, check for loss of benefits, exit fees and investment options - see above for things to consider before transferring a pension.

*Restrictions apply, see amazon.co.uk/gc-legal

The more you transfer, the bigger your gift:

£100 gift card - transfer value £20,000-£49,999
£400 gift card - transfer value £50,000-£79,999
£600 gift card - transfer value £80,000-£99,999
£750 gift card - transfer value £100,000-£199,999
£1,000 gift card - transfer value £200,000-£999,999
£2,500 gift card - transfer value £1,000,000 or more

Welcome gift when you transfer

Open an Aviva Save account and get a £20-£150 gift card

Gift card offer

Get a gift card worth £20-£150 as a welcome to new Aviva Save Customers opening one or more fixed term savings accounts and depositing £10,000 or more.
Join Aviva Save and make the deposits between 5th January 2026 and 13th February 2026. Fixed terms must last nine months or longer. One gift card per customer.

Bigger deposits mean bigger gifts

£20 gift card – deposit amount £10,000-£19,999
£30 gift card – deposit amount £20,000-£29,999
£40 gift card – deposit amount £30,000-£39,999
£50 gift card – deposit amount £40,000-£59,999
£75 gift card – deposit amount £60,000-£79,999
£100 gift card – deposit amount £80,000 or £129,999
£150 gift card - deposit amount £130,000+

Funds

Universal Retirement Fund - our simplest way to invest in your pension, it changes your investments based on your chosen retirement date.
Ready-made funds – ideal if you want an easy option, these fully-managed funds have four different choices to match your risk appetite and goals.
Experts’ Shortlist – a selection of funds that experts at Aviva Investors think have the greatest chance of good income or capital growth over the long-term.
Self-select funds – if you’re experienced with investing, risk and happy to take control, then you can buy and sell from our full list of over 5,000 funds.

Explore investment funds "Explore investment funds"

Shares

Shares - buy and sell shares in UK companies you’re interested in.
Exchange-traded funds (ETFs) - like investment funds, these are groups of assets bundled together, but they can be bought and sold like shares.
Investment trusts - this is a type of fund that sells shares to invest in a portfolio of assets, with the aim of producing returns.

Explore share dealing ""

Why invest with Aviva?

We manage £240bn for 6 million customers as at 31st March 2025.

We know fees can be complex. We’re committed to keeping our fees clear and simple. Check our product pages for more info.

Our online platform is award-winning. It lets you manage your investments easily 24/7.

Invest your way. Whether you're experienced, or new to it all, we've got simple tools and options to suit you.

Learn about investing

We've got a range of simple guides and tools that can help make the world of investing seem less daunting.

Risks

How to keep calm during market volatility

Five ways you can keep a cool head if your investments fall in value.

Strategies

Active vs passive investing: Pros and Cons

We explain the pros and cons of each way to invest.
Risks

How to help manage investment risk

Tips on how to balance risk and reward in your investments.
Strategies

Short, medium and long-term investing

We explore which investments will suit your time frame.