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Aviva's Personal Pension plans give your clients a flexible way to save for retirement with tailored investment options to suit their needs. Whatever retirement they want, we will help them achieve it.
Aviva Personal Pensions at a glance:
A range of investment solutions to meet the needs of different types of clients.
We offer a choice of flexible commission and pricing options.
Regular contributions from €100pm and Single Contributions from €5,000.
ESG and sustainability disclosures for personal pension investment options are available in the Fund Centre and relevant fund factsheets.
How does a Personal Pension plan work?
A Personal Pension Plan is a retirement savings vehicle designed for individuals who are self-employed or whose employers do not offer a pension plan.
| My Future ESG Lifestyle Strategies | Our choice of three lifestyle strategies (ARF, Annuity, and Cash) provide lower cost investments that automatically de-risk your clients' pension as they near retirement, tailored to their selected option at retirement, allowing a hands off approach in how their money is managed. |
| Flexible Contributions | Our plans can accept monthly contributions from as little as €100 and/or single contributions from as little as €5,000. |
| Premium Service | Our outstanding service delivery model creates a straight-forward, smooth journey with Aviva, from setup through to retirement. |
| Aviva Online Service Centre | With Aviva Online Service Centre, your customers can see the value of their pension, the funds their pension is invested in and the amount invested in each fund. They can also use online tools like investment suitability tool, and view and download their policy documents. |
| Investments that work for you | Aviva is the best place to invest to safeguard your clients' retirement, whether they want a ready-made multi-asset solution or a tailored portfolio of funds which they have chosen with you. |
Our Fund Options
Explore our investment products and solutions across asset classes
Funds
Aviva Investors
Funds
Property Funds
1 The following funds are not available across certain products:
Corporate Master Trust – not available: World Allocation Funds, Global Short Fixed Income Fund, AIMS Target Return Fund (Ireland), Physical Gold Fund, Global Leaders Equity Fund, Global Emerging Markets Equity Fund, Global Smaller Companies Equity Fund, Stewardship Ethical Fund, Global Equity ESG Passive Fund, European Equity ESG Passive Fund, and Emerging Markets Index Fund.
Approved Retirement Funds (ARF) – not available: Lifestyle Strategies
Savings & Investments – not available: Lifestyle Strategies and Self-Directed Investment Option (SDIO)
PRSA – not available: Self-Directed Investment Option (SDIO)
Pension Product and Charges Summary Option A
Pension Product and Charges Summary Option B
Pension Product and Charges Summary Option C
Pension Product and Charges Summary Option D
Pension Product and Charges Summary Option S
Pension Regular Premium Product and Charges Summary Option S
All documents on this page are downloadable PDFs that brokers may save, retain and store for CPC compliance and client‑record‑keeping.
Full details of the Personal Pension’s features, risks, target market and negative target market, charges (including third‑party charges), assumptions, and any guarantees or limitations are contained in the Personal Pension Customer Guide, Financial Broker Guide, and associated Product and Charges Summaries.
Personal Pensions
Retirement
Tools
The easy way to start your client's retirement.
Requirements for common amendments on existing policies.
For the Aviva Personal Pension Plan the minimum age is 19 next birthday and the maximum age is 72 next birthday.
There's no limit to the amount individuals can pay into their personal pension, but tax relief is only available on amounts up to a certain level depending on their income, their age and Revenue limits. This is set out in the table below:
| Age attained during the year | Tax relief limit (Baced on a percentage of earnings) |
|---|---|
| Under 30 | 15% |
| 30 to 39 | 20% |
| 40 to 49 | 25% |
| 50 to 54 | 30% |
| 55 to 59 | 35% |
| Aged 60 and above | 40% |
There's a limit on how much of a customer's earnings can be taken into account for the purposes of the above percentages. The maximum earnings limit is currently set at €115,000. So, if a customer's earnings are greater than this fugure their tax relief will only be based on their earnings up to €115,000 - anything above tht limit doesn't qualify for a tax relief.
Tax relief reduces the real cost of a pension. Customers receive tax relief (which falls within the limits set out above) on the money they put into a personal pension. An example of how this works is set out below:
Alternatively, if they pay income tax at the 20% rate, their tax relief will be €20 and their monthly net cost will be €80.
If they're self-employed, they'll need to include their pension contributions in their income tax returns to get tax relief. If they're an employee and their personal contributions are taken from their bank account, they can apply to their local inspector of taxes to have their tax credits adjusted to reflect their pension contributions.
Once they've put money into a personal pension they can't withdraw it until they reach at least age 60.
If they have to retire early beacuse of ill health, they can take their benefits from their personal pension immediately.
If they die before they retire, we'll pay the value of their Aviva Personal Pension to their estate. As with any inheritance, their beneficiaries may have to pay inheritance tax on any benefits we pay to them.
No. They can't transfer the rights to their Aviva Persoal Pension plan to a bank or another institution a security for a loan.
The minimum investment period for paying regular contributions to the Aviva Personal Pension is 3 years.
They can pay regular or single contributions to the Aviva Personal Pension. The Aviva Personal Pension can also accept transfers from other personal pensions. They can pay regular contributions by direct debit every month.
They can pay in a single contribution at anytime by electronic funds transfer. They can do this instead of, or as well as, paying regular contributions.
Yes. They can increase their contributions at any time. They can also reduce their contribution to the minimum allowed (which is €100 monthly or €1,000 yearly) or to take a break from making contributions if they want to.
However, don't forget that reducing or stopping their contributions will affect the value of their pension fund when they retire.
Yes. When taking out an Aviva Personal Pension, you can choose to have contributions increase by 5% each year.
Our seperate 'Retirement Guide' explains all of the various options that may be available to customers at retirement.
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Aviva Life & Pensions Ireland Designated Activity Company, is a private company limited by shares, registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Tel (01) 898 7950, www.aviva.ie
Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.
