Investment Portfolio
Our Investment Portfolio lets your clients invest in a wide range of collective investments and equities from all key investment sectors. In fact, there are thousands of funds to choose from.
Wide investment range
Thousands of funds and a range of exchange-traded assets
Flexibility
Flexibility for your clients on payments in and withdrawals
Cash Account
Cash account for paying charges and where we pay dividends or income ready to be re-invested
Product details
Why Investment Portfolio?
The Investment Portfolio offers an extensive range of investments to help you match your clients’ investment goals and attitudes to risk.
| 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 investments into their Investment Portfolio |
| Cash account | • The Investment Portfolio includes a cash account, where we pay dividends or income ready to be re-invested. The cash account should not be seen as a long-term investment • We'll take the pre-arranged adviser charges, Aviva charges and equity dealing 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 Investment Portfolio whenever they like • make a one-off withdrawal • set up monthly, quarterly, half-yearly or yearly withdrawals |
| Investment range | The Investment 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, exchange traded funds (ETFs), investment trusts • a range of managed portfolios from a large range of Discretionary Investment Managers |
The value of investments can go down as well as up and investors may get back less than they put in.
Facts and figures
Platform charges
The Aviva Platform charge depends on the value of your client’s Investment Portfolio. We refer to this as the Aviva Charge.
We include money in the cash account and any investments your client holds in the ISA or Pension Portfolios when we calculate the charge for the Investment Portfolio. Because of this, your client may receive a discount on the charges for their Investment 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 Investment Portfolio. The equity trading costs table shows the charges for equity dealing.
| Equity trading costs | |
|---|---|
| Per individual trade | £4.99 |
| Per trade within a model portfolio | No charge |
| UK exchange-traded investments electronic transfers out (only) | No charge |
| UK exchange-traded investments | No charge |
| Investment Portfolio limits | Minimum | Maximum |
|---|---|---|
| Initial contribution or transfer | £1,000 | - |
| Initial contribution or transfer (corporate/trustee business ONLY) | £50,000 | - |
| Regular contributions | £50 a month | - |
| Regular contributions (corporate/trustee business ONLY) | £500 a month | - |
| Additional lump sum | £1,000 | - |
| Regular withdrawal | £50 | - |
| Encashment | £500 | - |
| Fund switch amount | - | - |
| Transfer between portfolios | £1,000 | - |
| Account balance | £250 | There is no maximum. However, the remaining balance in the Investment Portfolio after any withdrawal must be at least £250 |
| Balance for each fund | £50 | - |
Client suitability
Who may the Investment Portfolio be suitable for?
- Clients who can invest £50 a month or a lump sum of at least £1,000
- Clients who have maximised their ISA allowance
- Clients who can make regular payments on a monthly, quarterly, half-yearly or annual basis by direct debit. The flexibility enables you and your client to plan investments into their Investment Portfolio during each tax year
- Clients who want to transfer investments held with other providers into one place for easier and more efficient management
- 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
- Please see our Target Market Statement
Adviser remuneration
Adviser charge options
We offer 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 Investment 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 | Weekly |
| Calculation method | £ only | £ or % of payments | £ or % of fund value |
| Additional info | • You can't set the payment start date for the initial advice charge for a future date • There is no minimum or maximum initial advice charge, but you can't input an amount greater than the amount of the regular payment • We will take the initial advice charge before we invest your client's money in the Investment Portfolio • The frequency of the initial advice charge payment must match the frequency of your client's regular payments • There is no minimum or maximum payment term • 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 Investment 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 • 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 charge at a future date - it doesn't have to start immediately. • The ongoing advice charge will be taken from the actual fund • The ongoing advice charge payment can't be greater than the portfolio value • 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 will stop no later than when the portfolio is closed. |
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 consultants who have attained the high standard set by Aviva for account management
- 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 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:
Email DISTPAC@aviva.com
Key documents and resources
Related content
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Pension Portfolio
Pension Portfolio is a self-invested personal pension, offering access to thousands of funds, equities, investment trusts and exchange-traded funds. It offers both phased and single drawdown options for your clients.
ISA Portfolio
ISA Portfolio, available on the Aviva Platform, is a flexible ISA 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.
Income Drawdown
Pension Portfolio on the Aviva Platform offers flexi-access drawdown on a single or phased basis and gives your clients complete flexibility with their pension fund in retirement.Haven't found what you're looking for?
See our contact us page for a full directory.