Aviva Investment Bond

Your future goals, in safe hands

Why Choose the Aviva Investment Bond?

Whether you're planning for your child’s education, a dream home, or want a financial cushion for the future, the Aviva Investment Bond helps you put your money to work—with the confidence of knowing your financial goals are in safe hands.

Start from just €10,000

Take a confident step toward your future goals with a single premium investment built for long-term growth.

Grow your money with confidence

Your investment is placed in professionally managed funds, giving your money the potential to grow more than it would in a traditional deposit account.

Flexible access when life changes

With flexible withdrawal options—regular or one-off—you can access your money when you need it most.^{Footnote [1]}

Track your investment online

Stay in control with Aviva's online tools. Monitor fund performance, check your balance, and manage your investment anytime, anywhere.

Watch Irish Savings legend Packie Bonner share how thoughtful planning today can lead to legendary results tomorrow.

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Transcript for video Be a Savings Legend with Aviva

00:00:00:00 - 00:00:01:03

00:00:01:03 - 00:00:02:10

Hi, Packie Bonner here.

00:00:02:10 - 00:00:04:24

You know, I've saved some crucial goals in my time,

00:00:04:24 - 00:00:07:14

but today I'm here to talk about something even more important.

00:00:08:10 - 00:00:09:06

Your money.

00:00:09:06 - 00:00:13:07

Keeping money in the bank is like keeping secure possession of the ball in your own half.

00:00:13:07 - 00:00:15:06

Safe, but not very exciting.

00:00:15:06 - 00:00:17:14

Saving with Aviva means more than just saving.

00:00:18:06 - 00:00:23:03

It's about maximising your money's potential and securing a brighter financial future.

00:00:23:03 - 00:00:25:18

So be a Savings Legend and score big with Aviva.

00:00:25:18 - 00:00:27:04

Because when it comes to your money,

00:00:27:04 - 00:00:28:12

you deserve to be in a winning

00:00:28:12 - 00:00:28:20

team.

00:00:33:03 - 00:00:34:09

Still got it.

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?

Once you know what you want the money for, you'll find it easier to choose how long to invest for.

Want to buy a house? You could save between now and five years and potentially end up with a sizeable lump sum towards your new home.
Want to send your child to university, help them get on the property ladder or have a little something for yourself? Consider investing a lump sum or invest every month to give your money the potential of sizeable capital growth over the medium to long-term.

You'll feel more committed to your investments once you know what you want to spend your money on in the future.

Should I save or invest?

Savings are where most people start, putting any spare cash to one side to build up a short-term safety fund in case of emergency. This money is often held in deposit accounts in banks. If you’re saving to meet bigger long-term investment goals a monthly savings plan or lump sum investment plan with a life company, such as Aviva, may give your money the growth potential it needs to help meet your goals.

What’s my attitude to risk?

The Cambridge Dictionary describes risk as “the possibility of something bad happening”. It’s a definition that we’re familiar with in day-to-day life. Indeed, most of us try to avoid risk where we can – things like wearing a helmet to ride a bike or checking for traffic before crossing the road.

But when we talk about risk in the context of investing, it’s not necessarily something you can avoid.

As with many things in life, the more risk you take, the bigger your potential reward and loss. Likewise, the less risk you take, the smaller your potential reward and loss. But all investments involve risk, even the lowest risk investment cash, is not risk free. Ups and downs are a natural part of investing but when the graphs get spikey are you likely to stay composed or get nervous? Understanding how you feel about risk will help you select the right investment option with your Financial Broker. You’ll also need to weigh this up with your investment timeframe and your investment goals.

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.

Explore investment options

Video Library

Aviva’s new Savings and Investment Products

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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

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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

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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

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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.

Launch Fund Centre

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.

View key documents