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. It's designed to give you growth in the early years and 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 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
Can you take out a pension with us?
To open a Stakeholder Pension, you’ll need to be eligible and set up your payments.
You can apply for our Stakeholder Pension if you:
- Are under 75 years old
- Live in the UK or you, your husband, wife or civil partner works overseas for the UK government
You’ll need to:
- Speak to a financial adviser before you get started
- Set up regular payments of at least £20 a month
- Be comfortable with not being able to access your pension money until you’re 55 years old
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.
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.
Save smartly with our individual, self-invested pension. You choose how your money's invested, manage everything online and get valuable benefits from the taxman. It all adds up.
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.
29 Nov 2018
What is a pension?
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ISAs vs pensions
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How the State Pension works
Understand when you can claim the State Pension and how much it’s likely to be to start planning for a secure and happy retirement.
16 Apr 2018
Your Friends Life pension questions answered
Friends Life is now part of the Aviva group. Find out how this affects your Friends Life pension.
17 Jan 2018
How much should you pay into your pension?
Get some help working out how much you need to pay into your pension to help you achieve the retirement lifestyle you want.
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.