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 Company Stakeholder Pension

A simple group pension scheme with a 1% charge cap and a choice of more than 50 funds. Your clients can use Company Stakeholder Pension as an auto-enrolment scheme.


Here are some of the features of our Company Stakeholder Pension plan:

Find out more about our auto-enrolment investment proposition by reading 'Our investment proposition for auto-enrolment pension schemes'

Here are some of the facts you need to know about our Company Stakeholder Pension plan:

  • Each Company Stakeholder scheme is priced on its own merits. 
  • Employees can access over 50 funds.
  • Employees can choose from a number of Lifestaging and Lifestyling Strategies and phased switching.
  • Any of our Aviva My Future Focus Lifestage approaches can be used as an auto-enrolment default, giving you plenty of flexibility. You can also create your own alternative default approaches from our range of funds.
  • Default investment strategies, both Aviva designed and bespoke, are reviewed on an ongoing basis as part of Aviva's robust internal governance processes. The strategies are also reviewed by the Independent Governance Commitee.

Here are details of the charges for our Company Stakeholder Pension:

  • Employer Pension Charge - a monthly fee may be charged to the employer to cover the cost of running the scheme and providing support services.  Each fee is based on the scheme's own merits.

Type of charge to
employee / member



Annual Fund Charge

 Up to

This is taken as a percentage of the scheme member's pension fund value each year.

Additional Yearly Charge


This charge may apply for some of the funds available. There is an overall 1% per annum maximum stakeholder charge applicable to each member's plan.

You can find full details of the charges applicable to each fund in our fund centre

Here's some information to help you decide if our Company Stakeholder Pension is right for your client:

Designed for employers who

  • want to limit the total annual charge employees pay to 1% or less.

  • want to offer employees access to a company pension scheme.

  • want to offer employees a tax-efficient way to invest for their retirement.

  • want to make payments on behalf of employees.

  • want to make payments via a group billing facility.

  • want a scheme they can use for auto-enrolment now or when they reach their statutory staging date / duties start date.

  • want to offer pension freedoms.

Key considerations

  • Existing pension scheme arrangements.

  • Required range of fund choices.

  • Current income levels

  • How many auto-enrolment schemes the employer wants to have.

  • Target level of disposable income in retirement.

  • Anticipated retirement date.

  • The future basis and rates of tax may vary. The tax relief available will depend on the employee's personal circumstances.

  • The value of the funds on offer will fluctuate and the employee's pension fund can go down as well as up.  It is not guaranteed and what the employees get back may be less than the amount paid in.

Here are some examples of the support we offer you and your client on our Company Stakeholder Pension.

Secure services

Make scheme enquiries online through our secure services

Auto enrolment support

With so many different types of employers needing your help with auto enrolment, you need the confidence to offer them a governed investment solution hat provides choice and that has been designed to take members through their journey to retirement.

Whether they're new to auto enrolment or looking for more information on workplace pensions, find out more in our Auto enrolment knowledge centre.

Contact us

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

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WA04057 07/2020