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 up to 100% of your annual earnings. In most cases, this means we automatically add 20% to the payment - so if you pay in £80, we add an extra £20. If the total payments to all your pension plans are more than the £40,000 annual allowance, you'll normally have to pay tax on the excess. Tax benefits depend on individual circumstances and are subject to change. Tax rules and allowances may differ in Scotland and Wales
Find all the details about your Stakeholder Pension with us.
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.
Manage your pension
If you already have any pensions with us and they’re linked to your MyAviva account, please log in. If it isn’t, we can help you find out how to access it.
Looking for something else?
We offer a variety of retirement options to help you plan for the future you want.
Our self-invested personal pension
Bringing your money together into one place could give you a clear picture of your retirement. And our SIPP could be the stepping stone towards the future you're after.
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.
Take a look at our library of helpful articles and guides.
How the State Pension works
Knowing whether you’ll be entitled to a State Pension and how much you’ll get is helpful when you’re retirement planning.
Six simple tricks to help you boost your pension
Giving your pension savings a little push can make a big difference. So take a look at our six tricks which could give it that boost.
What is a pension?
Understanding how different types of pensions work may help you decide which one (or ones) might suit you.
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.
Take control of retirement planning
When it comes to your retirement plans, knowing what to do first can be a challenge. So let us give you a hand – our six-point checklist is a good place to start.
What's pension tax relief all about?
Understand how pension tax relief works, what it's based on and the impact it has on paying into your pension.
How long will retirement be?
It's difficult to know for definite. But there are things you can think about to help you plan more effectively.
Is your retirement age on target?
Blackadder’s Baldrick was famous for having one. But do you have a plan, cunning or otherwise, for your retirement age?
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.
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. Capital at risk.
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.
Why pay into your pension early?
Sorting out your pension may not be at the top of your to-do list. But if you get things up and running sooner, it could work out better for you later.
Should I pay extra into my workplace pension?
Understand the pros and cons behind putting your pension savings into a workplace pension versus paying into a personal one instead.
A decade by decade guide to retirement saving
Depending on how close (or far) you are from retirement, see what you can do to make the most of your pension savings.
Pensions jargon buster
Knowing the meaning behind technical pension terms may help you make more informed decisions when it comes to retirement planning.
How much should you pay into your pension?
Considering how much you’ll need for a comfortable retirement will help you decide how much to pay into your pension.
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.