What is Investment Bond?
When you have something special to look forward to, it makes everything a little brighter. Investment Bond is a product that gives you a straightforward way to invest a lump sum to help you achieve your long-term financial goals, such as paying college fees, buying your first home, helping your children get on the property ladder, or just having the security of a rainy-day fund.
Flexibility
Invest from €10,000 with the flexibility to take regular and single withdrawals.
Growth potential
Your money is invested, meaning it will have good potential for growth, especially over the long-term. Your investment options include our popular Multi-Asset ESG Funds.
Check
Track your investments with Aviva online and our easy-to-use fund centre.
The basics
Planning your financial future can be as straightforward as you want it to be. But first, there are a few things you should think about.
What are my financial goals?
Should I save or invest?
What’s my attitude to risk?
How much control do you want?
Is Investment Bond right for you?
To invest in Aviva Investment Bond you must:
Be over 18 years of age and less than 79 years of age.
Be resident for tax purposes in the Republic of Ireland and have an address in the Republic of Ireland.
Aviva Investment Bond may suit if you:
- Are looking for a medium - long term investment policy (i.e. at least 5 years).
- Are happy with the choice of funds into which you can invest and are happy to take risk with the aim of generating returns.
- Are happy with the charges on this product.
- Are prepared to risk getting back less than you put in.
- Can invest at least €10,000.
- Are aged between 18 and 79.
Aviva Investment Bond may NOT suit if you:
- Want to invest for less than 5 years.
- Are not happy with the choice of funds into which you can invest your lump sum and are not happy to take risk with the aim of generating returns.
- Are not happy with the charges on this product.
- You are not prepared to risk getting back less than you put in.
- Cannot invest at least €10,000.
- Are aged under 18 or over 79.
Working with your Financial Broker, it’s very important to ensure that Investment Bond is suitable for you and your own particular circumstances and 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.
Video Library
Aviva’s new Savings and Investment Products
Transcript for video Stephen Rice
00:00:00 Video Starts
00:00:06 - Question
Stephen Rice one minute pitch.
Savings and investments.
Your time starts now.
Deposit accounts or investment products?
00:00:15 Stephen Rice
Deposits for short-term need, such as your rainy day fund. Investments for longer term horizons, such as kids education, or indeed, your retirement.
00:00:23 - Question
Why choose an investment product to meet longer term needs.
00:00:26 Stephen Rice
Two main reasons, I suppose to beat deposit rates over the longer term, and secondly, to beat inflation.
00:00:31 - Question
Why invest with Aviva?
00:00:33 Stephen Rice
We offer a range of funds to meet different people’s risk profiles, and we also have ESG, or sustainability at the core of our ethos.
00:00:42 - Question
Do you need a lot of money to invest?
00:00:43 Stephen Rice
No, you can start saving with Aviva from €100 per month.
00:00:48 - Question
How do you invest?
00:00:49 Stephen Rice
Very simply talk to your financial broker who will match you with the right product for your needs at a point in time.
00:00:54 - Question
What are your top tips for investing?
00:00:55 Stephen Rice
It may sound simple but understand the time horizon you wish to save for and why you’re saving.
00:01:00 - Question
Finally, Stephen, what are you investing for at the moment?
00:01:03 Stephen Rice
Well as a father with a young family, for me it’s definitely education, and maybe the need to move to a bigger house or extend on our current house as the kids get a bit older.
00:01:14 - Question
Stephen, your time is up.
For more information on savings and investments, contact your financial broker.
00:01:34 Video Ends
Your investment options
Transcript
00:00:00 Video Starts
00:00:06 - Question
John Deehan one minute pitch.
Aviva’s investment range.
Your time starts now.
What options do Aviva have for investors?
00:00:14 John Deehan
Aviva offer a range of investment options to suit clients different risk profiles across our manage for you, with you, and by you ranges. These include options such as the world’s leading fund managers.
00:00:24 - Question
What is the managed for you range?
00:00:26 John Deehan
This range comprises of a choice of Aviva multi asset funds, and are perfect for clients who want Aviva experts to manage their money, aligned to their risk profile.
00:00:32 - Question
And the managed with you range?
00:00:34 John Deehan
You can build and manage a diversified portfolio, through a range of equity, bond, property, specialist multi asset alternative funds managed by Aviva and other leading fund managers.
00:00:43 - Question
And lastly the managed by you range?
00:00:45 John Deehan
This range gives clients the flexibility to build a highly tailored and specialised portfolio through our self-directed investment options that includes share trading and structure products.
00:00:54 - Question
And do Aviva offer sustainable investment options?
00:00:57 John Deehan
Yes we offer a number of options that are classified as ESG funds under new European regulations.
00:01:01 - Question
Finally, John, where are you investing at the moment?
00:01:04 John Deehan
I’m a great believer in diversification and the benefits of equities and I’m currently investing in a blend of different multi asset and equity funds.
00:01:10 - Question
John, your time is up.
For more information on Aviva’s investment range, contact your financial broker.
00:01:30 Video Ends
Fixed Allocation Funds
Transcript for video Peter Smith ESG
00:00:00 Video Starts
00:00:04 - Question
Peter Smith One Minute Pitch.
Aviva's ESG Fixed Allocation Fund Range
Your time starts now. What are Aviva's ESG Fixed Allocation Funds?
00:00:14 - Peter
They are a range of four multi asset low-cost funds that invest in equities and bonds in fixed proportions.
00:00:20 - Question
What do you mean by fixed allocation?
00:00:22 - Peter
Each fund has a set weight to equities and bonds and is rebalanced on a quarterly basis, holding between 20 and 80% in equities.
00:00:29 - Question
Who manages these funds?
00:00:31 - Peter
Aviva Investors we're the asset management arm of the Aviva Group and have over 40 years’ experience managing multi asset portfolios.
00:00:38 - Question
How is ESG integrated into these funds?
00:00:40 - Peter
In three ways, we tilt more to the holdings that will have a higher ESG rating. We engage with the companies that we hold, and we also avoid certain industries and sectors.
00:00:51 - Question
What are the benefits of investing in these funds?
00:00:54 - Peter
The funds offer a low cost, straightforward way to invest in markets, in a transparent and provide transparent returns.
00:01:02 - Question
And finally, does it cost any more to invest in these funds?
00:01:05 - Peter
No. In fact, it costs .1% less than standard pricing.
00:01:09 - Question
Peter, your time is up.
For more information on Aviva's ESG Fixed Allocation Funds and how to invest, contact your financial broker.
00:01:32 Video Ends
Multi-Asset ESG Passive Plus Range
Transcript for video Shane O'Brien
0:00:00 Video Starts
00:00:05 - Question
Shane O'Brien One Minute Pitch
Aviva's Multi-Asset ESG Passive Plus Fund Range
Your time starts now. What are Multi-Asset Passive Plus Funds?
00:00:16 - Shane
They are diversified multi asset funds managed with a passive bias, so it's about setting up diversified portfolios, not changing them too regularly and letting the asset classes grow the investment over time.
00:00:27 - Question
What do you mean by passive plus?
00:00:29 - Shane
I mean that most of the strategies are passively managed within the fund. There are some components which are active in places like property and alternative investments.
00:00:36 - Question
Who manages these funds?
00:00:37 - Shane
They're managed by Aviva Investors. We are the investment part of the Aviva Group and we've been managing multi asset funds for over 40 years.
00:00:44 - Question
How is ESG integrated into these funds?
00:00:46 - Shane
In three ways. Firstly, we systematically tilt the portfolio towards better scoring ESG companies. Secondly, we engage with the companies we hold. And finally, there are certain sectors we don't invest in like coal and tobacco.
00:00:58 - Question
What are the benefits of investing in these funds?
00:01:00 - Shane
They are diversified, they are ESG tilted, and they are cost effective.
00:01:05 - Question
And how much does it cost to invest in these funds?
00:01:07 - Shane
They're available at .05% below standard charges.
00:01:11 - Question
Shane, your time is up.
For more information on Aviva's Multi Asset ESG Passive Plus Fund Range and how to invest, contact your financial broker.
00:01:35 Video Ends
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.
Manage your policies online
Aviva Online Service Centre
You can access your policy information online through our customer portal.
With Aviva Online Service Centre you can:
- see the current value of your policy
- see the funds you’re invested in
- see how much money you have invested in each fund
- access our online customer calculators
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Am I financially ready to invest?
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Planning for the future
Our Children’s Savings Investment Trust is a tax-efficient means to help secure a bright future for the younger generation once they turn 18.
Importance of a Financial Broker
In this article we will discuss five ways a Financial Broker can help improve your financial well-being.
4 tips to help you save for your children's education
In this blog post, we'll provide some practical tips to help you achieve the financial goal of saving for your children’s education.
Saving Vs. Investing: do both have a place in your financial plan?
Understanding the differences between saving vs investing allows you to choose the right tool for the right job and make the most of your money.
7 tips to inflation proof your finances
Seven tips that can help you safeguard your finances against inflation. Reassess your savings, consider investing to name a couple.
6 step guide to better budgeting
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Your savings questions answered
Our in-house expert answers some of the most asked questions in savings and investments, so you save your well-earned cash with peace of mind.
Tips to help you maintain your budget after lockdown
Need support maintaining your household budget once restrictions start to lift? Click here to get our best tips to help with household financial management.
Small changes that’ll make a big difference when saving for a house
Saving for a house is a milestone in anybody’s life and making some small changes can make a big impact on your savings.
Planning For Retirement
Nowadays we all try to live healthier and more active lifestyles. And the result is clear, because we’re now living longer than ever before.
Ways to cut the cost of your Christmas Day
Christmas is just around the corner and with that comes additional spend. Follow these simple steps to reduce the cost of your Christmas.
Warnings
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. |
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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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