Savings & Investment Videos

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Aviva 1 Minute Pitch -Section 73 Savings Plans

Your time starts now. 

Can you give a gift to someone?

Yes. Anyone can give a financial gift to another person up to a certain amount, tax free. For example, as a parent, I can give my child up to €335,000 (note this has been increased to €400,000).

What is gift tax?

If the value of the gift is over a certain amount, then the person that receives the gift needs to pay 33% tax.

Can you give an example?

If a parent gifts a property worth over €600,000 to their child while they're alive, based on the taxable sum of €265,000, the child will owe €87,450 in tax.

Can you help them with this?

Yes. With an Aviva Section 73 policy, you can specifically save money to help your child meet this gift tax liability.

Are there rules relating to this?

Yes. For example, you need to set the policy up as a Section 73 Savings Policy at the start and pay premiums for eight years. Our customer brochure explains these rules.

I have to use the proceeds of my Section 73 Policy to pay my child's gift tax?

No. You can use it for something entirely different.

 Karen, your time is up.

For more information, talk to your financial broker or visit Aviva.ie.

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Aviva 1 Minute Pitch - Savings and Investments

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 €250 per month (note this has been reduced to €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

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Aviva 1 Minute Pitch -Corporate Savings and Investments

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 (this has been reduced to €100 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.

Stephen your time is up.

For more information contact your financial broker.

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Aviva 1 Minute Pitch - Children’s Savings Investment Trust

Dave O’Donnavan, one minute pitch, Children’s Savings Investment Trust, your time starts now.

What is the Small Gift Exemption?

This allows you to gift up to €3,000 tax free to any child, grandchild or any other person in a calendar year.

 How can I avail of this exemption?

Aviva has a regular savings plan called the Aviva Children's Savings Investment Trust. This plan enables you to use this allowance for beneficiaries under 18 years of age.

Can you tell me more about this product?

 You can save from as little as €100 per month. There is a choice of funds with differing risk profiles, thereby giving your beneficiaries money the potential to outperform bank deposits and inflation over the long term.

Who owns the policy?

 The beneficial owner of the plan is the child. They can access the funds from 18 years of age.

 In the meantime, trustees will manage the policy and the fund selection on their behalf.

 Who should invest in this product?

This product may be suitable for parents or other relatives, such as grandparents are godparents who may wish to save for a child's future.

Dave, your time is up.

For more information, talk to your financial broker or visit Aviva.ie