When it comes to surplus money on your balance sheet, is cash always king?
If your business has surplus cash sitting in a deposit account, it might not reach its full potential. Traditional deposits often struggle to keep pace with inflation, which means your money could lose value over time1.
Investing could help your company:
- Keep pace with inflation over the medium to long term
- Offer the potential for higher returns than deposits
- Provide options to suit your company’s goals
Why Consider Investing Instead of Deposits1?
- Deposits offer security, but they may not protect against inflation.
- Tax matters – Companies can face extra taxes on deposit interest2.
- Flexibility – Investments could be structured to suit your business
Our Solutions for Businesses
- Aviva offers two flexible options:
Aviva Savings Plan: Invest as little as €100 per month and make a lump sum at outset.
Investment Bond: Invest from €10,000 with the flexibility to take regular withdrawals.
Benefits include:
- Access to 30+ funds across asset classes, risk profiles, and fund managers.
- Wide range of multi-asset funds from difference managers with different investment styles.
- Strong historical fund performance.
- Change funds anytime without charge
- Easy access options across both plans with no early encashment charges
Watch our short video to learn more
Transcript
Stephen Rice, one minute pitch, corporate savings, and investments- Your time starts now…
Deposit accounts or investment products?
Stephen Rice: Deposits to meet your companies short-term cash flow needs, investments to try and generate potential higher returns over the longer-term.
Why choose an investment product?
Stephen Rice: 3 main reasons, outperform inflation, beat deposits, and generate non trading income.
Why invest with Aviva?
Stephen Rice: Our cost-effective fund range our ESG focus and finally our easy access options.
How are companies investing with Aviva?
Stephen Rice: We regularly see companies using our savings plan along with a lump sum investment together.
Do you need a lot of money to invest?
Stephen Rice: No, you can start saving from €250 per month and lump sums start from €10,000.
How do you invest?
Stephen Rice: Talk to your Financial Broker about how our Corporate Savings and Investments Plans are suitable for your company’s needs.
What are your top tips for investing?
Stephen Rice: 3 key tips understand the time horizon that your company has, the level of risk your willing to take and whether a Savings Plan or Investments Bond or a combination of these are best suited to your company’s needs.
Explore Your Options Today
Talk to your Financial Broker about what might work for your business.
Find your local broker at www.aviva.ie
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Key Information Document
A Key Information Document (KID) is an information sheet that helps you understand and compare the key features, risks and costs of the product and funds you are considering investing in.
Expert advice
Want expert advice on savings and investments? Contact your Financial Broker today.
Warnings
Important information to consider.
1. Qualifying terms and conditions apply to fixed term deposit bank accounts. When you invest in this type of bank account, the value of your savings will not fall. The interest earned in a fixed term deposit account is guaranteed. When you invest in a deposit account you may qualify for compensation under the Deposit Guarantee Scheme if the bank is unable to meet their obligations to you.
2. Remember that tax laws can change over time, so it is important to check revenue.ie for the latest information.
| Warning: The value of your investment may go down as well as up. Warning: If you invest in these products you may lose some or all of the money you invest. Warning: Past performance is not a reliable guide to future performance. Warning: These products may be affected by changes in currency exchange rates. Warning: The income you get from this investment may go down as well as up. |
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| The funds referred to in this document may be linked to an insurance-based investment product and the Key Information Document (KID) for this product is available at www.aviva.ie/KIDs. The Risk Ratings of the funds referred to in this document differ from the corresponding Summary Risk Indicators shown in the KID. |
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The information provided is accurate when Aviva Life & Pensions Ireland DAC created this web page in December 2025. It does not constitute investment advice. It does not take into account the investment objectives, financial position or needs of any particular investor. Before making an investment decision, you should consult suitably qualified and independent investment, taxation and regulatory advisors to discuss your specific situation and investment objectives. The investment strategies and risk profiles outlined in this document may not be suitable for your specific investment needs.
Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. Tel (01) 898 7950 www.aviva.ie