{"id":334738,"date":"2020-09-15T17:12:35","date_gmt":"2020-09-15T16:12:35","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=334738"},"modified":"2025-11-28T15:03:24","modified_gmt":"2025-11-28T15:03:24","slug":"aviva-pensions-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/pensions\/aviva-pensions-review","title":{"rendered":"Aviva pensions review"},"content":{"rendered":"<p>Aviva offers a well-rounded self-invested personal pension (SIPP). It\u2019s designed to let you choose how your money is invested and is flexible for you to make changes when you need. If you want to, you can simplify your by consolidating all of your pension pots into one. Find out how it works, key features, fees, and what your investment options are. <\/p><h3>What is Aviva?<\/h3><p>Aviva is one of the biggest and best-known financial service providers in the UK, with a heritage that can be traced back to 1696. It\u2019s best-known for its insurance products \u2013 from car insurance to health insurance. But it also provides both workplace and personal pensions. In this review, we\u2019ll be focusing on its private pension offering.<\/p><h3>How does the Aviva pension work?<\/h3><p>Aviva\u2019s SIPP is a form of personal private pension. A private pension is a pension pot that\u2019s completely separate from your workplace pension and state pension. Unlike a workplace pension, it\u2019s set up and paid into by you. It\u2019s kind of like an investment account that you can\u2019t access until you turn 55 (rising to 57 from 2028), but hopefully the pot grows as your investments increase in value.<\/p><p>Aviva\u2019s SIPP allows you to pay in lump sums, or set up a monthly contribution. If you set up monthly payments, the minimum monthly amount is \u00a325. Once you\u2019ve set up monthly contributions you can also make a minimum one-off payment of \u00a31,000. If you only want to put in a lump sum, without setting up a monthly payment, the minimum initial deposit is \u00a35,000.<\/p><p>As with contributions to any pension, Aviva claims basic pension tax relief of 20% on any contributions you pay in and adds it to your pot. So for every \u00a380 paid in, \u00a3100 goes into your pension. If you\u2019re a higher or additional rate taxpayer, you can claim additional tax relief from HMRC.<\/p><p>Aviva offers a range of investment options to suit different experience levels, from ready-made portfolios to suit novice investors, to picking out the individual investments or funds that make up your pension.  <\/p><h3>Fees and costs for the Aviva pension<\/h3><p>As with all pensions, you\u2019ll incur fees for the ongoing management of your Aviva SIPP. <\/p><p>Aviva charges a flat 0.35% platform fee for using its pension, regardless of what investments you hold.  <\/p><p>Charges are calculated daily and taken monthly from the money in your cash account. If you don\u2019t have enough money in your cash account, fees will be taken out of your investments instead. <\/p><h4>If you invest in funds<\/h4><p>If your pension includes funds, you\u2019ll incur two types of charge for this part of your pension. There&#8217;s no commission to buy or sell funds within your Aviva pension.<\/p><ul><li><strong>Aviva platform fee.<\/strong> Aviva charge. This is Aviva\u2019s 0.35% annual charge for holding any of the investment funds it offers. <\/li><li><strong>Fund manager charges.<\/strong> This varies depending on the specific fund(s) you hold, and can be found on the Key Investor Information Document (KID) for each fund.<\/li><\/ul><h4>If you invest in shares and other exchange traded investments<\/h4><p>If you hold UK shares, exchange-traded funds (ETFs) or investment trusts in your pension portfolio, you\u2019ll incur the same flat platform fee of 0.35% on the value of these assets.<\/p><p>You\u2019ll also pay a \u00a34.99 trading charge every time you trade in assets that fall into this category. <\/p><p>Finally, a \u201cFund manager charge\u201d will apply for ETFs and investment trusts; this will be included in the cost of the investment. <\/p><h3>Investment options with the Aviva pension<\/h3><p>Aviva\u2019s SIPP offers 5 ways to invest so you can choose the one that suits your needs best, whether you\u2019re a beginner or a seasoned investor. <\/p><ul><li><strong>Aviva\u2019s Universal Retirement Fund.<\/strong> This is a form of \u201clifestyle\u201d pension fund. Assets included in it tend to be higher risk, higher potential reward when you\u2019re younger. The risk level reduces as you get closer to retirement and needing to withdraw your funds. <\/li><li><strong>Ready-made funds.<\/strong> You select the fund based on your risk appetite: lower, lower to medium, medium to higher, or higher. The higher the risk, the greater the chance of losses, but the greater the potential rewards. <\/li><li><strong>Fund shortlist.<\/strong> If Aviva\u2019s ready made funds aren\u2019t right for you, you can select one from a fund shortlist curated by its experts.<\/li><li><strong>Full fund list.<\/strong> Confident investors can peruse Aviva\u2019s full fund list with over 5,000 options and make a selection of funds to build their pension portfolio. <\/li><li><strong>Pick investments.<\/strong> If you\u2019re an experienced investor that knows what you\u2019re doing and want full control over the assets held in your pension, you can include shares and other instruments \u2013 such as ETFs and investment trusts. <\/li><\/ul><h3>How can you manage the Aviva pension?<\/h3><p>You can either set up regular monthly direct debit payments to Aviva, or make one-off transfers as and when you can afford it. <\/p><p>You can check your pension balance and performance, tweak your contribution levels and update your personal details by logging into your MyAviva online account. This can be done on your desktop or check how your pension is tracking on the MyAviva mobile app. <\/p><h3>Transferring a pension to Aviva<\/h3><p>If you want, you can transfer in money you already hold in any previous workplace or personal pension schemes. This can simplify your pension pots, and could result in lower pension costs. Always double check before going ahead with the transfer otherwise you could lose out on specific benefits or incur charges with your existing plan. <\/p><p>Aviva can help you decide if you\u2019d like to transfer old pensions to it. In some cases, it might be best to leave your other pensions where they are \u2013 especially if the account has any special features or benefits that you\u2019d lose in a transfer. These might include a guaranteed income from a defined benefit pension, a guaranteed annuity rate, or enhanced death benefits.<\/p><h3>Is Aviva safe?<\/h3><p>Aviva is regulated and authorised by the Financial Conduct Authority (FCA), which means it\u2019s as safe as any other regulated pension provider. And some may find reassurance in the fact that Aviva has been around for several centuries. <\/p><p>Aviva is also a member of the Financial Services Compensation Scheme (FSCS), which means deposits are protected up to a value of \u00a3120,000 if Aviva was to go bust. <\/p><p>Remember, though, neither FCA regulation or FSCS protection can safeguard any investment, including pensions, against market turbulence. Even lower-risk investments can lose money in a poor market. <\/p><p>Keeping your money invested for the long-term (as is usually the case with pensions) should help you ride out short-term volatility if you remain on track and committed to your strategy.<\/p><h3>Aviva customer service and reviews<\/h3><p>If you have any questions about your pension, or experience problems with your account, you can try its chatbot, send it an online enquiry, or call its pensions customer service line (from 8am to 6pm, Monday to Friday). <\/p><p>As a company, Aviva gets a solid if not sensational 4 out of 5 \u201cexcellent\u201d score on customer review site Trustpilot (as of July 2024). However, it\u2019s worth noting that the majority of these reviews are about insurance rather than pensions. <\/p><p>Filtering reviews by \u201cpensions\u201d as a keyword results in a mixed picture, with only a smattering of very positive reviews, and more 1 or 2 star ratings than Aviva would probably like. Unfortunately, some negative reviews are to do with investment performance but this is often outside of Aviva\u2019s control and depends on overall market conditions.  <\/p><p>To its credit, Aviva does take the time to respond to 90% of negative reviews. <\/p><h3>Who is the Aviva pension suited to?<\/h3><p>Aviva offers such a comprehensive pension product, this private pension could suit most types of retirement savers. You\u2019ve plenty of options for types of investments to choose from so you should be able to find something that suits your long-term strategy. <\/p><p>The fees for using Aviva\u2019s pension is reasonable and the fact that it can assist you with drawing from your pension later in life means that it could be a useful one-stop shop for your pension needs.<br \/>However, there are cheaper options out there, those that come with more nuanced investment choices, or providers that have better apps &#8211; so take some time to compare your pension options. <\/p><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Who can open an Aviva SIPP?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>To pay into an Aviva SIPP, you have to be aged between 18 and 75. There\u2019s no upper age limit to transfer pension pots to Aviva. You must also be resident in the UK, or have earnings from overseas Crown employment that is subject to UK tax.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What are the contribution limits for an Aviva SIPP?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Aviva only allows you to pay in contributions to its SIPP up to the level that qualifies for tax relief. Most people can benefit from pension tax relief on contributions up to the level of their annual earnings, or \u00a360,000 (as of the 2024\/5 tax year) if this is lower. This limit applies across all pensions you may hold.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do you open an Aviva SIPP?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You\u2019ll need to register with Aviva \u2013 it\u2019s free and takes a few minutes. You\u2019ll need:<\/p><ul><li>Your national insurance (NI) number (get this from a payslip, your online tax account or dig out your old national insurance card if you received one)<\/li><li>Bank details or debit card information to make or set up payments.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply. Keep in mind that the tax treatment of your pension and investments will depend on your individual circumstances and may change in the future. Capital at risk.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover how the Aviva pension works, how much it costs and what we thought of it. We&#8217;ve listed some features and pros and cons.<\/p>\n","protected":false},"author":805,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"true","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"1273","post_editor_date":"","post_author_date":"2024-07-15T10:03:06","post_author_manual_date_checked":"false","footnotes":""},"categories":[2651],"tags":[],"asset_tag":[],"class_list":["post-334738","post","type-post","status-publish","format-standard","hentry","category-pensions"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Aviva pension review | Save for retirement - Finder UK<\/title>\n<meta name=\"description\" content=\"Discover how the Aviva pension works, how much it costs and what we thought of it. 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