Stakeholder Pension

Simple saving for your family's future

Straightforward saving for retirement

Your Stakeholder Pension with us could be a great way to give you and your children or grandchildren a head start on retirement savings.

Here you'll find out what you need to know about our Stakeholder Pension, exactly what it offers you, and how to manage yours.

Manage online

Stop, start and change payments whenever you want – no penalties

Flexible retirement options

Flexible options when it comes to withdrawing your money

Save for your children

Open a pension on their behalf and start saving

The value of your pension can go down as well as up and you may get back less than has been paid in.

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.

Hands-off investing

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

The money will stay invested until they’re at least 55 years old (57 from 6 April 2028 unless they have a protected pension age) – 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 (57 from 6 April 2028 unless you have a protected pension age), 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 £60,000 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

Manage your Stakeholder Pension online

Log in to your MyAviva account to see your pension details and manage any changes. If you haven’t registered for an account yet, you’ll need your pension policy number to hand.

Important document

Find all the details about your Stakeholder Pension with us.

Financial advice

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.

Extra support

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.

Pension articles

Take a look at our library of helpful articles and guides.

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.