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Aviva ISA

Invest up to £20,000 per individual for 2021/2022

Investment ISAs put your capital at risk & you may get back less than you originally invested

Listed Equity Income

from AVIVA Investors

Allows ISA Transfers
Regular Savings
  • Fund Choice: Aims to provide a dividend yield above the FTSE All-Share Index. Invests in UK equities judged to offer high yield, above average prospects of dividend growth and long-term capital growth. Income paid twice yearly. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio.
  • Invest From: £25 pm

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK.
  • Invest From: £25 pm

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in shares, funds, investment trusts, exchange traded funds. 5 Ready made portfolios if you are not sure where to invest. Capital at risk.
  • Invest From: £1 pm

Junior Sustainable Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: The fund aims to invest in sustainable companies that offer long-term growth, while making a positive difference to the world your child grows up in. Capital at risk.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.

Junior Ethical Stocks & Shares ISA

from Nutmeg

Regular Savings
  • Invest From: £100 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk.

Junior Stocks & Shares ISA

from AJ Bell

Regular Savings
  • Invest From: £25 pm
  • Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds). Capital at risk.

Junior Stocks & Shares ISA

from Interactive Investor

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA. Capital at risk.

Junior Stocks & Shares ISA

from Nutmeg

  • Investment Options: Invest in one of four expertly designed portfolios depending on your investment style. Capital at risk.

Junior Stocks & Shares ISA

from Wealthify

Regular Savings
  • Invest From: £1
  • Investment Options: Choose from one of five investment styles based on risk, and a team of experts build your child’s Junior ISA, choosing which investments to buy and managing them on your behalf

Who are Aviva?

Aviva are best known as a large insurance company headquartered in the UK, but they also provide a range of financial products to personal investors via their investment platform.

Aviva’s history can be traced way back to 1696 to a small life and fire insurance company, but they now operate as a multi-national organisation listed on the FTSE 100.

One of the personal investment products they offer are Stocks and Shares ISA accounts. These are provided and managed via their online platform and Aviva app.

What is an ISA account?

An ISA account is a tax-efficient savings account that shelters your investments from:

  1. Income tax on investment interest
  2. Income tax on dividends
  3. Capital Gains Tax

There are two main types of ISA accounts:

  • Stocks and Shares ISAs
  • Cash ISAs

What type of ISA account is an Aviva ISA?

Currently, Aviva only provide a Stocks and Shares ISA and do not offer a Cash ISA.

Cash ISAs provide fixed or variable interest rates and the guarantee that your investment cannot fall in value.

However, interest rates are extremely low in the UK currently, and they have been since the financial crash in 2008, leading many people to invest in Stocks and Shares ISAs instead.

Stocks and Shares ISAs allow you to invest directly in the stock market while still getting the tax benefits of an ISA wrapper.

What does an Aviva Stocks and Shares ISA invest in?

Aviva Stocks and Shares ISAs give you the ability to invest in the stock market via a wide range of funds. They provide two main investment portfolio types:

1. Ready-made portfolios

2. Self-select portfolios

Aviva’s ready-made ISAs are put together by their investment professionals. You choose a portfolio based on your attitude to investment risk and your investment goals - e.g., investment growth or income.

One benefit is that you have peace of mind knowing that your underlying ISA investments are being managed by an investment expert.

Aviva’s self-select ISA, on the other hand, allows you to build your own portfolio by choosing from a wide range of investment funds.

You can filter the available funds by sector or company, and if you’re unsure which funds to choose you can look at Aviva’s own shortlist.

These are funds that Aviva’s experts have deemed as the best in their sector or market. Aviva also provide research and analysis to help you make your decision, without taking an extra cut of your investment for themselves like they do with their ready-made portfolios.

With both self-select and ready-made portfolio ISAs your investment can lose as well as gain money. Stock markets can fluctuate in price both upwards and downwards, so you should be aware of the risks before you invest.

What are the charges for an Aviva Stocks and Shares ISA?

There are two main charges to be aware of with Aviva’s Stocks and Shares ISAs:

1. Aviva’s platform charge

Aviva’s platform charge is applied to your entire ISA account, and it is a tiered percentage of your overall portfolio.

  • 0.40% on your first £50,000
  • 0.35% on the next £200,000
  • 0.25% on the next £250,000
  • 0% for anything above £500,000

This means that no matter how much you invest over £500,000, you are capped at £1,525 each year for Aviva’s charge as this is the total of the above tiers.

2. The Ongoing Fund Charge (OCF) on your underlying funds

The funds you invest in also take an annual management charge from your investment for the administration and management of the fund.

This is usually taken directly out of the fund’s performance, so you won’t necessarily see this charge being subtracted from your portfolio.

Passive funds are managed less aggressively than managed funds and mainly just track an index or sector. For this reason, they are the cheapest funds to own in terms of the Ongoing Fund Charges.

On the other hand, managed funds typically have higher charges due to the expertise and management from the fund managers, but they do aim to outperform the sector they invest in.

The details of a fund’s ongoing charges are laid out in the Key Investor Information Documents which you can download through the website before investing.

Can I withdraw from an Aviva ISA?

Aviva’s Stocks and Shares ISA allows you to withdraw at any time.

Unlike with a Cash ISA, you aren’t committed to a fixed term in order to get a guaranteed interest rate, and you can sell your investments and withdraw the proceeds as and when you please.

You may need to wait about a week for your holdings to sell before your withdrawal is processed.

You can instruct withdrawals easily on the app or via the online platform login.

How do I open an Aviva ISA?

The easiest way to open an Aviva ISA account is online via the website.

You can set up an account with a password by just providing some basic information including your National Insurance Number.

Once you have set up your account, you can start investing with a regular payment of at least £50 a month, or a lump sum payment of at least £500. 

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk

Frequently Asked Questions

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2021/22 tax year.

The annual ISA allowance runs in line with the normal tax year, which is 6th April to 5th April the following year. Your ISA allowance will refresh on 6th April each year.

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.

You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.

For Cash or Stocks and Shares ISAs, yes, although some Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended.

Most providers will allow you to withdraw from your ISA online, via a mobile app, telephone, or by written instruction in the post.

Most ISA withdrawals will complete in approximately five working days, but they could take longer depending on the assets you need to sell.

Yes. Most providers allow you to have dividends automatically paid out to your bank account upon receipt. You can also have them reinvested automatically, too.

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

No, ISA stands for Individual Savings Account and must be solely owned for tax purposes.

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

Three funds for a Stocks and Shares ISA

Stocks and Shares ISAs are a popular way for people to invest for their future.

If you’re looking for inspiration on where to invest your ISA this tax year, take a look at our latest investment ideas.

Download your copy to discover three funds, including:

  1. A total return fund
  2. A global income fund
  3. A responsible investing fund

Click here to get your FREE guide from Hargreaves Lansdown »

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare Stocks and Shares ISAs:

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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