24 August 2019

Investment Bond

This product is no longer available to new customers

The Investment Bond, from Aviva is a lump-sum investment which was designed for investment growth and can be suitable for people with various attitudes to investment risk. It's a medium to long-term investment and there’s no fixed end date, so you can invest for as long as you like, although there is an early exit charge if you take money out during the first five years.

Our Investment Bond is no longer available to new investors, but if you have already invested in the Bond, remember you can:

  • Invest over the medium-long term for potential investment growth.
  • Make regular withdrawals of up to 7.5% each year without an early exit charge.
  • Withdraw up to 5% each year of the total amount you invested without needing to pay any tax straight away.
  • Make one-off withdrawals at anytime, though remember that exit charges will apply in the first five years.
  • ‘Pick and mix’ from the wide choice of funds from leading investment providers if you want to switch the fund(s) your money is invested in.

It’s important to remember that this type of investment carries a degree of risk and its value can fall as well as rise, so you may get back less than you put in.

Take a look the latest fund factsheets from Aviva, to see how each fund is performing Fund information.

How will I know how my Investment Bond is performing?

Aviva will send you a statement once a year, on the anniversary of your investment, which gives you a cash-in value for your investment at the time. You can also get an up to date valuation on your Investment Bond whenever you need it, by calling Aviva on 0800 151 2567. You'll need your Policy Number to hand when you call.

You may want to check how the funds you chose are performing.

Take a look the latest fund factsheets from Aviva, to see how each fund is performing
Fund information

You can get an up-to-date valuation of your Investment Bond from Aviva, whenever you need it.
Manage your Investment Bond

This is a summary:

  • The minimum investment in the Investment Bond was £5,000.
  • You can choose up to ten individual funds and/or ready-made portfolios to make up your Investment Bond.
  • One or two people can hold The Investment Bond.
  • The Investment Bond also includes a small amount of life insurance. This means that if the policyholder dies while they hold The Investment Bond, at least 100.1% of the Bond's value at the time will be paid out.
  • You can't top up The Investment Bond, as it was only designed for a single lump-sum investment.
  • You can take regular withdrawals of up to 7.5% each year without an early exit charge.
  • You can withdraw up to 5% each year of the total amount you invested without needing to pay any tax straight away.
  • You can also make one off withdrawals at anytime, though remember that exit charges will apply in the first five years.
  • The value of your investment could go down as well as up so, with the exception of the Aviva guaranteed funds, there are no guarantees on how much you might get back in the future. For more details on the guaranteed funds, please refer to the Guaranteed Fund information pages.

No initial charge - so 100% of the money you pay-in is invested in your Investment Bond.

Annual Management Charges - Aviva will take an annual management charge from your Bond, which depends on how much you invest.

Amount investedAnnual Management Charge*
£50,000 and above 1.25%
£25,000 - £49,999 1.30%
£10,000 - £24,999 1.35%
£5,000 – £9,999 1.75%

* Percentage (%) of value at the time

Some of the funds also have a Fund Managers Expense Charge.

Early exit charges - If you cash in all or part of your investment in the first five years, early exit charges apply. These reduce, depending on how long you’ve held your Investment Bond.

Year you cash inEarly exit charge*
1 10%
2 7%
3 4%
4 2%
5 1%
6 onwards 0%

* Percentage (%) of value at the time

You can switch your investment between funds at any time, free of charge.

Talk to us, at Aviva: 0800 151 2567

Open 8.30am - 5.30pm, Mon - Fri and 8.30am - 2.00pm on Saturday
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