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Investment Portfolio

Aviva's dedicated site for UK financial advisers only*. Not for use with customers, if you're a customer please go to www.aviva.co.uk.
*except for Investment Portfolio which is available for financial advisers in Guernsey, Jersey and Isle of Man.

Our Investment Portfolio lets your clients invest in a wide range of collective investments, structured products, and equities from all key investment sectors. All in all, it offers a choice of around 3,000 funds from over 110 fund managers.

Quote and apply

Features of the 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 pay the pre-arranged adviser charges, Aviva charges and stockbrocking 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:
  • over 3,000 funds from over 110 fund managers
  • a range of exchange-traded assets including equities, ETFs, investment trusts and gilts, and bonds
  • structured products
  • a range of managed portfolios from over 30 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

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 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.

Aviva charge for portfolio value
£0 to £399,999 0.25%
£400,000 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.

Structured product charges

Companies providing structured products may take a charge. This will vary from product to product. You can usually find details of the charge in the provider’s literature.

In addition to the annual management charge, structured products also include a charge built into the product, which isn’t usually explicitly shown.

We clearly define the returns and quote them net of all fees and charges.

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 £7.50
Per trade within a model portfolio £5

Investment Portfolio limits

Investment Portfolio limits Minimum Maximum
Initial contribution or transfer £1,000 -
Initial contribution or transfer (corporate/trustee business ONLY, from 1 April 2018) £50,000  -
Regular contributions £50 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 -




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.

Adviser charge options

We’ve developed 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:

  1. initial advice charge
  2. ongoing advice charge
Adviser charge options Initial advice charge Ongoing advice charge
Available on which payment types? Regular Single or transfer Regular, single or transfer
Duration Spread. You can specify a number of months or an end date A one-off payment Spread. You can specify a number of months or an end date
Frequency Monthly or quarterly. This will be determined by when your client makes their regular payment. One-off Weekly
Calculation method £ or % of payments £ or % of payments £ or % of payments
Extra information
  • 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 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, but you can't enter a time period greater than the expected portfolio term
  • This charging option is only available as a monetary amount and not as a percentage - and only where you client is making regular payments.

 

 

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

Get more from the Aviva Platform

We’ve designed the Aviva Platform to be easy and straightforward to use. To help you get the most out of the Aviva Platform, we have a range of support available:

  • We have a nationwide team of regionally based business 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 highest account management standards set by Aviva.
    (0800 092 9365, Mon-Fri 8:30-17:30)

  • Dedicated platform service and support teams (0800 056 4607, Mon-Fri 8:30-17:30)
  • A guide to everything you need to know about the Aviva Platform and due diligence
  • Step-by-step 'how to' guides to help you use and work with the platform
  • Online product literature and sales support from the Aviva for Advisers 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 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 learn at your own pace
  • access to reference material
  • an online document library with a host of documentation on our products
  • a fund centre with information on all our funds, including fund group profiles, performance data, portfolio functionality and income analysis.

Get a free demonstration of the Aviva Platform

Contact us to arrange an appointment with one of our consultants:
0800 056 2026, Mon-Fri 8:30-17:30

Contact us

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

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WA03396 03/2018