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.
Are you making the most of your pension tax relief?
Everyone’s entitled to tax relief when they pay into a pension. Even non-taxpayers. So, what can you pay in and how much tax relief will you get?
Explore financial advice with confidence
This short video explains how our financial advice service works, the value and benefits, and how easy it is to arrange a no-obligation chat to decide on the next step.
We've made a huge difference to Jennifer
Jennifer wasn't keen on taking financial advice at first. Find out how we changed her mind and soon put her in a much better financial position.
6 ways to take control of your retirement planning
When planning your retirement, there are lots of things to consider, so here’s a checklist to get you started.
Stop your pension from running out early
How to make your retirement savings last a lifetime when taking a flexible income using drawdown.
Flexible pension withdrawals: 7 factors to consider
With greater flexibility over our pension savings in retirement, there’s more to consider before making one of the biggest financial decisions of your life.
When could equity release be the right solution?
We explain the different options for equity release, looking at the pros and cons of lifetime mortgages and home reversion plans.
Understanding your pension statement
Learn how to read your pension statement to plan your finances, understand charges, explore your investments and more.
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.
The value of financial advice
Where do you begin when it comes to seeking financial advice? Explore the difference between advice and guidance, independent and restricted in our financial advice guide.
Find your lost pensions
If you think you may have lost track of a pension pot, you shouldn’t worry. There’s a free government agency here to help.
The world of pensions
Find out about the different types of pension and how they can help you enjoy a happy and secure retirement.
Pensions jargon buster
Some pension terms can be a bit technical – or a bit vague. Don’t worry, we’re here to help.
How the State Pension works
Discover when you can claim your State Pension and how much it’s likely to be worth.
What is a lifetime mortgage?
Wondering what a lifetime mortgage is, and if it's suitable for you? This video explains what you need to consider when thinking about a lifetime mortgage.
Choosing a destination: cost of living, buying a property and healthcare.
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.