A simple way to invest for the future
Invest for the long-term and make the most of the tax benefits that a pension brings.
If you don’t want to think about where and how your pension savings are invested, you can hand over all the decisions to our experts. Depending on how far off retirement you are, we’ll move your money between carefully chosen funds. We'll aim to give you growth in the early years, then reduce the risk of large fluctuations in the value of your pension as you get closer to retirement. However, there's no guarantee this will be beneficial to your pension.
An investment for their future
You can start investing towards your children’s or granchildren’s retirement with a Stakeholder Pension in their names. The money will stay invested until they’re at least 55 years old – so there should be plenty of opportunity for the money to grow.
Clear and simple charges
No need to worry about complex charging structures or hidden extras.
There’s just one clear fund charge – our annual fund charge, capped at 1%.
And you won’t have to pay any charges for setting up your investment or for switching money between funds.
What our Stakeholder Pension offers
Save for your retirement with our affordable and flexible pension that’s built around you.
- Manage online
Manage your pension online in MyAviva using your policy number. You can view your pension value, switch funds, change payments and even change your retirement age
- Flexible retirement options
From age 55, you can take a lump sum payment, keep your pension invested and take money out, convert it to a guaranteed income or a combination of these
- Save for your children
Give your children or grandchildren a head start by opening a pension on their behalf. You can pay in up to £2,880 for each child each year
- Affordable payments
Start your Stakeholder Pension with as little as £20 a month. And you can change that amount or stop and start payments when you need to – so you can build your pension around your budget
- Tax efficient
When you make a payment into your pension, you get basic rate tax relief from the government on up to 100% of your annual earnings or an annual allowance of £40,000. In most cases, this means that we automatically add 20% to the payment – so if you pay in £80, we add an extra £20. Tax rules and allowances may differ in Scotland and Wales
If you have a Stakeholder pension with us, you may want to review the document below.
A financial adviser might be able to help you consider your options at retirement. Their advice may come at an additional cost, but they can help you decide if this is right for you.
We're here to help you get the best from your pension.
Looking for something else?
We offer a variety of retirement options to help you plan for the future you want.
Our Aviva Pension
Take control of your retirement with our self-invested pension. You can manage your account online, choose where to invest your money and get tax relief on your eligible payments.
If you’ve been enrolled into a pension with us by your employer, find out how it works and what’s in it for you.
Transfer your pensions
We can combine your existing pensions into one place with us so they’re easier to manage. And if you’re not sure whether you have any or where they may be, we can find them for you. Transferring isn't right for everyone and you need to consider the pros and cons. You may need advice for which you'll be charged. Capital at risk.
Take a look at our library of helpful articles and guides.
What is equity release?
Equity release is a big financial commitment, so understanding what it would mean for you and your family is really important.
Pensions for the self-employed
Don’t let saving for your future slip any further down your priority list: here’s what you need to know about paying into a pension if you’re self-employed.
Is it ever too late to start saving?
No matter your age, with a workplace pension you'll benefit from a tax-free lump sum and maybe even employer contributions.
Busting those equity release myths
There are a lot of ifs and buts surrounding our equity release product. We're here to help you separate the facts from the fiction.
Find your lost pensions
Keeping track of pensions from jobs gone by can be tricky. But pinning down those lost pensions may make it easier when you’re retirement planning.
Thinking about taking an income from your personal or workplace pension?
We look at the things to consider before you take your money from your personal or workplace pension, including the potential impact of coronavirus on your pension fund.
The pandemic and your workplace pension
If you’re wondering what the coronavirus pandemic could mean for your workplace pension, read on.
Has lockdown affected your monthly budget?
Lockdown has brought many changes to our lives, but how has it changed your spending and saving habits?
Understanding your pension statement
What’s in your pension statement and how often is comes will all depend on the type of pension you have.
Pension scams to look out for
With so many scammers around, there are things you can look out for to keep your hard-earned pension money safe.
Understanding inheritance tax
Planning what to leave your loved ones? See if you can reduce any inheritance tax that may be due.
Are you paying more tax than you need to?
There are practical things you can do to reduce your tax bill to make year-end tax planning much less taxing.
Investing in property to fund retirement
Food for thought if you’re considering renting out a property to fund your retirement or you’re already a private landlord.
Make the most of pension tax relief
See how to make the most of the tax relief you get from the government for paying into your pension.
How much income will you need?
When you’re retirement planning, having a clear idea about how much income you’ll need – and for how long – is key.
Moving your pension into one pot
Transferring all your pensions into one could save time and provide a clearer picture when you’re making retirement plans.
Product provided by: Aviva Life & Pensions UK Limited. Registered in England No. 3253947. Registered office: Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number: 185896.
Aviva UK Digital Limited introduces to Aviva Life & Pensions UK Limited for pensions. 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.