Corporate Saving & Investment

Your people work hard. Your money should too

When it comes to surplus money on your balance sheet, is cash always king?

Holding your company’s money on deposit may make sense to meet short-term cash flow requirements, however, holding all your surplus cash on deposit can be inefficient and may have a negative impact on your balance sheet as:

Deposit rates are still low¹

Inflation is eating into the real value of your money on deposit²

Is there a better solution

If you want to give your company’s surplus money the potential to work harder than deposits, the potential to outperform inflation now may be the right time to speak with your Financial Broker about Corporate Investment Bond or Corporate Savings Plan from Aviva. When you do this, your company’s surplus money will be invested, meaning it has the potential to outperform deposits and inflation over the medium to long term. The following table shows how lump sum investors in some of Aviva’s more popular funds have posted strong returns over a five-year period.

Fund value of a €100,000 initial investment after 5 years to 28 March 2023

Gross of charges and taxes.

Name ESMA Risk Rating 28 Feb 2023 Cumulative Gross Return Gross Investment  Value Gain/Loss
Aviva Multi-Asset ESG Active 3 3 6.4% €106,395 €6,395
Aviva Multi-Asset ESG Active 4 4 14.8% €114,816 €14,816
Aviva Multi-Asset ESG Active 5 5 23.4% €123,429 €23,429
Aviva High Yield Equity Fund 6 84.3% €184,337 €84,337
Warning: Past performance is not a reliable guide to future performance.

Source: Longboat Analytics. The returns quoted include the reinvestment of net income, are net of trading costs and gross of an annual management charges. For details of the charges applicable on your fund selection contact your Financial Broker. Other insurance contract charges apply and as such the returns shown do not represent the returns on insurance contracts linked to these funds. Details of all charges for a particular product are available on request. Aviva risk rates its funds using the ESMA risk ratings scale from 1 to 7. 1 being the lowest risk and 7 being the highest. For more information see the ‘Your Investments Guide’ which is available on request or is available to download on our website.

Watch our short video to learn more

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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.

Investments that work for you

Investing your money

We all have different preferences for how we like to invest, and we aim to match our offering with your needs. 

With the help of your Financial Broker, you can opt for a simple ready made solution or build your portfolio selecting funds from our Aviva Select Range.  We also offer responsible investing options across our ranges.

ESG Provider of the Year in 2021

We won the ESG Provider of the Year at the 2021 Irish Pension Awards.

Tools & Calculators

Fund Centre

How are you funds performing and where are they invested? Find out using our daily updated fund centre.

Investment Suitability Tool

This tool can help you to understand how much risk you are prepared to accept when making investment decisions.

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.


Important information to consider.

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.

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 The Risk Ratings of the funds referred to in this document differ from the corresponding Summary Risk Indicators shown in the KID. An explanation of the differences between the Risk Rating and the Summary Risk Indicator is available at the location above.

1 Source: 22 February 2023.
2 Source: Trading Economics 22 February 2023.

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.