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Aviva funds

Aviva Investors

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Aviva Investors is a global asset manager, expert in real estate, fixed income, equity, multi-asset and alternative investments. Find out more

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Expert Commentary

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Explore our thematic articles and get insight from the experts and their views on a number of topics surrounding your centralised investment proposition. Find out more

Aviva has a wide range of securities, including funds, exchange traded products and structured products. Picking individual stocks creates a bespoke solution for your clients.

Things to think about

By choosing individual stocks, you can deliver a bespoke and highly tailored service for your clients. If you do this, you need to do your research and monitor the markets.

You should consider the additional research steps you need to take to do this. It can take a lot of time when you’re considering all the funds available. Having the right skills and capabilities in your business will be important.

The process puts your clients’ needs at the forefront of your considerations. So, for example, if they have ethical investment requirements or an aversion to particular funds/companies, you can take their investment needs into account through individual stock selection.

 Advantages Disadvantages 
Bespoke for each client Time consuming 
Demonstrates value of advice Harder to achieve diversification 
No discretionary management costs Additional administrative burden 
Control over investment choices

How we can support you

We offer access to our fund research capability, which will give you the knowledge and due diligence you need to meet your compliance needs.

Printable, branded factsheets provide up-to-date charges and performance details. And our charting tool lets you see how your fund selections have performed against the FTSE, or other funds, saving you time and giving you control over your investment choices.

Compare and chart funds now

Outstanding opportunities and discounts

We’ve negotiated discounts on some initial fund charges - with many at 0% - as well as negotiating annual fund manager charge discounts.
To help you diversify, we have over 3,000 funds from 110 fund managers. Our fund centre offers:

  • a range of research and charting tools
  • an income scheduler,
  • customisable PDF outputs bespoke to your own asset allocation to use during conversations with clients, adding real value to your selections.

Our model portfolio build tool includes bulk switching and rebalancing facilities so you can easily manage all your clients’ portfolios in one place.

To help you and your business better service your clients, we also have capital gains, performance analysis and client reporting tools.

Log in to use these features

Good fund research can help you get your clients engaged with their investments and help them better understand your recommendations. It will also help you show your clients the value of your advice. You can also feel comfortable knowing you’ve satisfied governance and compliance requirements.

Things to think about

It can be difficult to research funds if you have limited access to specific details or information. It can also be time-consuming and expensive for a firm to do its own fund research.

How we can support you

We can support you whether you want to complete this process yourself or outsource to a third party. Working closely with a range of providers, our consultants can help you find and adopt a research solution for your business.

We’ve developed a rigorously researched and monitored range of funds that take some of the hard work out of investment selection. This lets you offer an affordable service to your clients with funds chosen to offer the best potential from a full range of sectors. You can use the Aviva Select Fund range as a starting point for your research or to complement your existing fund research.

As it’s underpinned by a robust research process and detailed expert commentaries, you’ll find it easy to carry out due diligence on the Aviva Select Fund range. We also provide further rationales around any changes to the range.

Alongside this, we offer a quantitative research capability in our fund centre.

Take a look at the Aviva Select Funds


Alongside the Select Funds, we also show active funds managed by Aviva Investors. These funds don’t share the same 7Ps selection process as the Select Fund range due to conflict of interest. These funds sit in the same sector or market as the Select Funds and are actively managed by expert fund managers. These funds have not been considered by the Aviva Investors Multi-Manager research team because they cover only external managed funds.

Model portfolios are baskets of investment funds put together to meet a specific mandate. You can build a model portfolio to meet a specific risk profile, as well as catering for the needs of generating growth, income or a combination of the two.

Model portfolios are commonly used to serve several clients within segments of a client bank, but you can also create one with an individual client in mind.

Things to think about

Model portfolios help ensure consistency in the investment process across a broad spectrum of clients’ needs.

By bundling the funds into portfolios, you can replicate outcomes for similar clients. It’s also easier to rebalance portfolios. This can help reduce your administrative burden by having a single set of tasks for each portfolio. By archiving old portfolios, you can also create an audit trail, which makes client reporting easier.

When you’re using model portfolios, it’s crucial you align the portfolios with the outputs of the risk profiling tool. Regular reviews will help you spot portfolio drift, where the risk profiles of the client and the portfolio start to diverge.

Occasionally, you may find a client isn’t suitable for any of the model portfolios, even if you’ve designed them to cover a range of client segments. In this instance, don’t try to shoehorn a client into a model portfolio.

It’s important to have discretionary investment permissions in place if you’re making changes to a portfolio. If you don’t have these in place, you’ll need to get the consent of each client aligned to that portfolio. Because of this, you may need more than one portfolio of the same type open in case you can’t reach an agreement with all clients. This may lead to more of an administrative burden than you initially anticipated.

Advantages Disadvantages
Time saving Model portfolio range may not be suitable for all clients
Consistency of investment advice Additional administrative burden
No discretionary management costs The potential for multiple portfolios for each client segment
Control over investment choices

How we can support you

Our fund research functionality lets you chart the performance of the funds making up the portfolio. You can also chart portfolio components against a benchmark.

With Aviva Investors involved, you can have great confidence in the research behind your model portfolio construction.

Our platform makes it easy for you to create your own in-house model portfolios and with it, the flexibility to create profiles to match your client base. They can provide a cost-effective option and give you control over asset allocation, research and on-going management.

Our investment profile functionality also allows you to copy existing profiles, so you can make changes quickly without having to start from scratch.

You can close portfolios to new money or shut them completely. On top of that, you can archive model portfolios, providing a compliance record.

We make it even easier to create profiles by letting you gather funds together by uploading a file.

The platform’s reporting capabilities make it easy to quickly determine which clients are aligned to which profiles, and the values attributed to each.

Combined with our enhanced fund researching capabilities, all of this makes it possible to research, build, maintain and report model portfolios within Aviva, without going anywhere else.

Compare and chart portfolios now

Explore a range of risk-targeted and risk-rated managed solutions designed for income or growth through active, passive and absolute returns.

With a multi-asset solution, you can get the benefits of a diversified portfolio in one single fund. You’ll also enjoy the expertise of a fund manager and investment opportunities that you may not be able to replicate building a model portfolio or fund picking.

It will save you time and money in researching individual funds, which will allow you to provide a more affordable service.

Managed solution fund managers typically invest in a range of funds. This fund of fund structure can provide good liquidity and enable a speedy response to market conditions.

Single-fund solutions can cater for a range of risk appetites, covering the needs of a wide variety of clients.

View Aviva Investor's multi-asset funds

Things to think about

With a one-fund solution, you can benefit from reduced research and administrative work. Outsourcing the asset allocation and rebalancing decisions saves time, which, in turn, could help reduce the cost of providing advice.

However, you need to bear in mind that single-fund solutions can have differing structures.

A risk-rated fund has a fixed underlying asset allocation that caps and collars how much of any one asset type it can hold. Prevailing market conditions constantly alter the riskiness of holding a given asset class. Having a fixed asset allocation means you’ll need to regularly review the suitability of the fund for a client.

A risk-targeted fund has no underlying asset allocation. Instead, the fund manager’s mandate is to stay within a pre-determined level of risk. It means a fund manager can use any combination of different asset types as long as they stay within the risk banding. Because of this, you only need to consider the suitability of the fund if your client’s attitude to risk changes.

Consequently, risk-rated and risk-targeted funds may be priced differently, and have markedly different effects on your advice process.

Advantages Disadvantages
Light resource Reduced range of single-fund solutions in the markets
Demonstrates value of advice Less control 
Asset allocation and rebalancing outsourced Built for groups of clients, not individually tailored for clients

How we can support you

Picking and choosing between single-fund solutions can be difficult, but with our fund research capability we can give you the information you need to make an informed decision.

Proposition, tools and support

We offer you access to a wide range of providers and investment strategies geared for income or growth through active, passive and absolute returns.

Our fund selection and research tools let you compare these solutions. You can also use our reporting capabilities to quickly find which clients are invested in which fund, helping you to be consistent with your advice.

In addition, we have links to a number of independent planning tools and reporting services.

Research funds now

A managed portfolio is an outsourced investment solution for your business. A third party investment manager will manage investment portfolios on your behalf against an agreed specification for your client.

Things to think about

Outsourcing your investment discretion to a third-party provider is a significant decision for your business. There are a number of things you need to consider and you’ll also need a robust platform provider.

Ultimately, it boils down to a question of time and expertise. We understand the pressures you face, whether that’s client acquisition, fulfilling your compliance burden, tax planning or reacting to clients’ demands. You also need to add as much value to your clients' experience as possible. But where is your time best spent and what help is out there?

Fortunately, there are many companies in the market specialising in investment management. They can reduce the burden of running an advice business, freeing up your time and further confirming your status as unbiased and independent.

Does the type of solution you offer and how much it costs matter to your client? Hopefully, yes, but not all providers are created equal. Take the time to look at the way a provider runs their proposition, and what support you will get from them and how important that is. Weigh up the cost of that service against the value you perceive it will add.

To determine who you’re comfortable working with, you’ll need to identify a partner with a history of meeting client needs and investment performance. You might also want to think about whom you’re doing business with. Do you want to be seen as using one of the household names? Or are you interested in smaller, regional, bespoke solutions? Researching many providers will give a broad choice and allow you to choose one who will suit your business better than others.

View our list of DFMs

What are the potential downsides of outsourcing?

You will hand over control of the investment, including rebalances and fund selection. If control is important to you, it may be worth designing your own models for your clients.

You’ll also be adding cost. Handing over investment decisions to a team who dedicate all of their time to research and selection comes at a varying cost. Because of this, you’ll have to decide whether the value added to the client is worth the additional expenditure.

Advantages Disadvantages
Time saving Added cost
Demonstrates value of advice Less control 
Dedicated resource and expertise

How we can support you

We work with over 30 DFMs.

We also work with Morningstar, who have developed a range of governed portfolios exclusively for Aviva customers.

We’ve integrated with the DFMs, all of which you can access these seamlessly with your Aviva for Advisers login. This means all you have to do is choose the appropriate investment portfolio offered by the DFM when processing the application online.

If you have DFMs you prefer to work with that aren’t on our list, we can consider adding them for you.

What next

Once you are happy with the DFM you have chosen, simply get in touch with them and tell them you would like to access their portfolios on the Aviva Platform. The DFM will take it from there.

Goals-based investing is an alternative approach to investing which aligns the advice and the investment approach to the client’s individual goals and priorities. You can assess the priority and risk for each goal.

This approach can offer a different means of engagement for clients. You can use it to complement or replace other methods of financial planning.

Things to think about

Goals-based investing is definitely one to consider if you’re looking to re-define your investment approach.

It’s a behavioural approach to meeting your clients’ investment needs, focusing more on meeting their financial objectives rather than on returns. It also helps you to avoid shoehorning or cookie cutter investing.

However, this approach may only be relevant or suitable for some of your clients, so segmentation and alignment to your proposition is important. This approach may also represent a change in the structure of financial planning for your business. For that reason, you also need to think about having the right implementation and training plan for your firm.

The choice of solution will require careful thought and research within your business. You have several choices around technology implementation and process to consider. On top of that, you’ll need to fully research the underlying investment solution to make sure this meets the needs and expectations of your clients.

Advantages Disadvantages
Different approach which can help engagement with some clients/client segments May require additional resource to implement within your firm
Demonstrates value of advice Different approach to conventional planning and may not be relevant for some clients
Helps clients visualise investments and supports effective communication and client decisions Still requires decision around how underlying investments are made and managed

How we can support you

We offer a range of managed fund solutions or DFM model portfolios on the platform from a number of providers.

We also integrate with most leading software providers to deliver a seamless experience when using third-party tools.

Aviva and SEI integration

The Aviva Platform offers a broad range of investment solutions for your clients. To complement our existing offering, we’ve worked with SEI to deliver an integrated adviser and client experience.

Integrating SEI’s goals-based investment solution with the Aviva Platform improves efficiency when writing business through the goals-based portal.

Assessing the suitability of this solution for your clients, alongside other options, remains entirely your responsibility. We work closely with SEI to make sure the tools and technologies perform to high standards and deliver a robust experience.

We recognise the importance of delivering simple, straight-through processes for your business and have worked with SEI to produce a process that works.

Information collected in the SEI portal passes directly into the Aviva Platform. We also offer ongoing valuations to give you and your client meaningful and up-to-date information.

The investment strategy you choose for clients needing an income is probably different to the one you’d adopt for those who prefer capital growth.

Our wide range of income-based investment options can support your central investment proposition. They can also help meet the needs of clients who are looking for an income and wanting to preserve their capital.

Things to think about

There might be a number of reasons that your clients want to invest for income:

  • It could be their only source of income in retirement or, they may be looking to boost their existing income.
  • They could be planning to take a one off income payment during the year or, spread payments out over 12 months.
  • They may even have a point in the year where they have a large payment they need to make.

Your clients may also be looking for income from a range of different investments, such as their pension pot, an investment account or an ISA. These are all treated differently for tax purposes. You may need to bear this in mind when you’re trying to find the best way for your clients to achieve their income goals.

Clients may only want income in the form of distribution payments or natural income but they might also want to use capital, or a combination of both.

Whatever their needs, it’s worth remembering many income products don’t pay out on a regular basis. This means you need to think about your client’s needs and reasons for income in retirement. The last thing you want is for your clients to be left out of pocket, worried about their financial commitments or turning to other, less efficient products and services.

Individual funds, model portfolios, managed portfolio services and managed solutions are all set up to provide income instead of capital growth. We can support you with all of these options. You’ll want to be sure that the income solution you choose fits the level of outsourcing, risk and costs in your existing centralised investment proposition.

How we can support you

We offer a broad range of income-generating investment options. With enhanced fund research and income planning functionality online, you’ll be able to present your clients with well-informed and well-researched investment decisions to help them meet their income needs.

Proposition, tools and support

Income paying funds

The Fund centre has thousands of income-paying funds to choose from. Our fund selection and research tools let you build a portfolio and our income analysis tool lets you compare estimated yield with historical income payments over the last 12 months.

Log on today and you can build model portfolios for an individual client or, create portfolios to save and use again for several clients within the same segment. The platform’s reporting capabilities and our income analysis tool can help you research, build, maintain and report model portfolios in one handy place.

The Aviva Investors multi-strategy (AIMS) range of funds offers your clients regular monthly income, capital preservation and diversification.

For those clients whose income needs can’t be met by investing on the platform, you may want to consider our range of annuities. These include a Pension Annuity, a With Profits Pension Annuity and an Immediate Life Annuity.

If you’d rather outsource your client’s income requirements, our panel of DFMs may be able to help by providing income specific solutions for your clients.

We’ve also developed a range of useful calculators and planners to complement your fund research and help you meet your clients’ retirement and income needs. These include our retirement forecaster, income drawdown calculators and life expectancy calculator.

Contact us

You can find contact details for each product area in the drop-down list:

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WA03384 03/2017