The ISA Portfolio is available on the Aviva Platform and lets your clients invest tax-efficiently in a wide range of collective investments and equities from all key investment sectors. In fact there are thousands of funds to choose from.

It is a flexible ISA, allowing your client to withdraw money and replace it within the same tax year without affecting their ISA allowance.

Tax-efficient and flexible

ISA Portfolio is a tax-efficient, flexible ISA. Clients can withdraw and replace money within the same tax year without affecting their ISA allowance

Wide investment range

Thousands of funds, a range of exchange-traded assets and structured products

Cash Account

Cash account for paying charges and where we pay dividends or income ready to be re-invested

Product details

Why ISA Portfolio?

  • Access to an extensive range of funds catering for most investment goals and attitudes to risk
  • All gains will be free from personal liability to income tax and capital gains
  • Easily transfer ISAs from current and previous tax years, combining them in one easy-to-manage portfolio
  • ISA allowance reporting functionality which lets you calculate and display unused ISA allowances for clients
  • Handle bulk ISA business in a quick and easy way that’s both cost-effective for you and affordable for your clients
  • Automatic re-registration functionality for fast, efficient transfers without taking your client’s money out of the market
  • The 0.25% platform charge for ISA Portfolio helps you serve your clients affordably
Features Detail

Payments

• Clients can make initial payments by cheque or electronic transfer

• Clients can make regular payments by direct debit - monthly, quarterly, half yearly or yearly

• This flexibility lets you and your clients plan when to make deposits into their ISA Portfolio during each tax year

Cash account

• The ISA Portfolio includes a cash account. We pay any dividends or income into the account, with the cash available to re-invest if that's what you advise

• We'll take the pre-arranged adviser charges, Aviva charges, and stockbroking charges from the cash account

• The cash account is held with one or more external account providers of our choice. The interest rate is variable and can be negative. View current cash account providers and information

Withdrawals

Clients can instruct you to:

• withdraw money from their ISA Portfolio whenever they like

• make a one-off withdrawal

• set up monthly, quarterly, half-yearly or yearly withdrawals.

Investment range

The ISA Portfolio offers you a wide range of investment options for your clients. Choose from:

• thousands of funds

• a range of exchange-traded assets including equities, ETFs, investment trusts and gilts, and bonds

• structured products

• a range of managed portfolios from over 50 Discretionary Investment Managers         

 

The value of investments can go down as well as up and investors may not get back what they put in. Tax rules may change in the future and will depend on your client's individual circumstances. 

Facts and figures

Platform charges

The Aviva Platform charge depends on the value of your client’s ISA Portfolio.

We include any investments your client holds in the Investment or Pension Portfolios when we calculate the charge for the ISA Portfolio. Because of this, your client may receive a discount on the charges for their ISA Portfolio.

For more information on the Aviva Platform charges and examples of how the charging works, please see the Aviva Platform due diligence toolkit.

Portfolio value

Aviva charge

£0 to £400,000

0.25%

£400,000.01 and above

0.15%

OCF/TER fund manager charges

Most investment fund managers make an initial charge for investing in their funds.

Fund managers will also take charges that depend on the investments chosen. These charges will be expressed as the ongoing charge figure (OCF) or total expense ratio (TER). These cover the charge made by the fund manager for managing the investment as well as expenses incurred by the fund. Please note the OCF and TER are variable and may change over time.

Equity dealing charges

We’ve appointed Winterflood Business Services as our nominated stockbroker to carry out equity dealing on behalf of your clients when they invest through the ISA Portfolio. The equity trading costs table shows the charges for equity dealing.

Equity trading costs

Per individual trade

£7.50

Per trade within a model portfolio

£1.50

UK exchange-traded investments   

electronic transfers out (only)

£5.00

UK exchange-traded investments    

transfers in or out using a paper 

certificate (not electronically)

£10.00

ISA Portfolio

ISA Portfolio limits Minimum Maximum
Age 18 -
Initial contribution £1,000 Subject to HMRC limits
Regular contributions £50 a month  Subject to HMRC limits
Additional lump sum £1,000 Subject to HMRC limits
Transfer £1,000 -
Regular withdrawal £50 a month -
Encashment £500 -
Fund switch amount - -
Transfer between product portfolios £1,000 -
Account balance £250 -
Balance for each fund £50 -

Client suitability

Who may the ISA Portfolio be suitable for?

  • Clients who can invest £50 a month or a lump sum of at least £1,000
  • Clients who are comfortable that their investment may rise and fall in value over time
  • Clients who understand there is a risk that they may get back less than they invested
  • Clients who want to transfer ISAs held with other providers into one place for easier and more efficient management.

Adviser remuneration

Adviser Charge options

There's a range of adviser charge options which allow your client to pay for advice from within their investment.

There are two types of advice charge for the ISA Portfolio:

- initial advice charge

- ongoing advice charge

 

Initial advice charge – regular payments

Initial advice charge – single or transfer payments

Ongoing advice charge – regular, single or transfer payments

Duration

Spread - specify either a number of months or an end date

One-off payment

Spread - specify either a number of months or an end date

Frequency

Monthly, quarterly, half yearly or annually

One-off payment

Weekly

Calculation method

£ only

£ or % of payment

£ or % of payment

Additional info

• You can't set the payment start date for the initial advice charge for a future date

• We will take the initial advice charge before we invest your client's money in the ISA Portfolio

• There is no minimum or maximum initial advice charge, but you can't input an amount greater than the amount of the regular payment

• This charging option is only available as a monetary amount and not as a percentage - and only where your client is making regular payments

• The initial advice charge payment will continue until the end of the agreed period or until regular premiums stop

• We will take the initial advice charge before we invest your client's money in the ISA Portfolio

• Each single or transfer payment operates in its own right. This means it is possible to receive advice payments on a number of different transfers

• The payment type for percentage or sterling can vary by each single or transfer charge

• The initial advice charge is payable immediately. You can't delay payment to a future date

• There is no minimum or maximum initial advice charge, but you can't enter an amount greater than the single or transfer payment

• Unlike the initial advice charge, you can choose to start the ongoing advice at a future date - it doesn't have to start immediately and will be taken from the actual fund

• You can increase, decrease, stop or start the ongoing advice charge at any time, but we will need confirmation from your client

• The ongoing advice charge payment is limited to the term of the portfolio

Business support

Get more from the Aviva Platform

We’ve designed the Aviva Platform to be easy and straightforward to use. And we’ve got a range of support in place to help you get the most out of it:

  • Regionally based wealth development managers providing face to face and telephone support to help you use the platform for your day-to-day business. Our team consists of experienced, diploma qualified consultants who have attained the high standard set by Aviva for account management (0800 092 9365, Mon-Fri 8:30-17:30)
  • You can call dedicated platform service and support teams on 0800 056 4607 - lines are open Monday to Friday, 8.30am to 5.30pm
  • Download our guide to everything you need to know about due diligence and the platform
  • Step-by-step 'how to' guides to help you use and work with the platform
  • Online product literature and sales support from our product literature library
  • Demos to help you navigate, manage and transact business on our platform

Adopting the Aviva Platform for your business

Our platform adoption and development team can help set up the Aviva Platform for you and turn it into an essential part of your business. We offer:

  • a demonstration of how to use the platform functionality
  • user guides so you can go at your own pace
  • access to reference material
  • an online document library with information about all our products
  • an investment centre with information on all our funds, including fund group profiles, performance data, portfolio functionality and income analysis 

Get a free demonstration

Contact us to arrange an appointment with one of our consultants:

Call 0800 056 2026 – lines are open Monday to Friday, 8:30am to 5.30pm
Or email platformservices@aviva.co.uk

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