Contract-based pensions
What we offer
Our contract-based pensions are designed to give your members flexibility over their investments and retirement, letting them take control of their investments online.
Our contract-based pensions
We offer two different types of contract-based pension, for all types and size of business. Our contract-based schemes offer members a comprehensive range of retirement benefits. These include support through specialist training and planning tools.
Group Personal Pension
Invest in any of our insured funds
Our GPP offers your members access to over 200 funds from more than 30 fund managers, covering the key asset classes and risk appetites. There is a selection of dedicated ethical funds, as well as funds that take environmental, social and governance (ESG) factors into consideration and a Sharia option. We have a wide range of index tracker funds available, along with a range of actively managed funds.
Group Self Invested Personal Pension
Invest in a wider range of funds
Our Group SIPP is designed to offer your employees greater control over their investments. They have access to three tiers of investments: a core fund range, a fund supermarket and the FTSE™ All-Share Index . We also offer a range of bespoke options for employers, such as the ability to create white-labelled funds and investment solutions.
The value of investments can go down as well as up and members may get back less than has been paid in.
How we help
Our pension schemes are simple to set up and easy to implement, with personalised support for members.
Help transferring your scheme
Our fully qualified implementation team will help you move your existing pension scheme to us. As part of our service we give you:
- Your own dedicated project manager
- A full implementation plan tailored to your specific needs
- Pensions platform training for your team
Support for your members
Members get access to interactive online tools and events to help them plan for their future. These include:
- Face-to-face workshops organised by our financial education team
- Online events and webinars to engage and inspire members
- Access to our financial planning tools and educational training materials
Investment solutions
My Future
My Future has been designed to help members save for their retirement. Risk is managed throughout the retirement journey thanks to the mix of assets in the My Future funds, including company shares and bonds. This approach aims to grow members’ pension savings in the earlier stages of the journey and then focus on preserving members’ capital as they get closer to retirement. To reflect Aviva's net zero carbon ambitions, we added allocation to the BlackRock World ESG Insights Equity Fund to My Future in 2021. This fund will make up half of the equity allocation in My Future by April 2023.
My Future Focus
My Future Focus is designed to give members the opportunity to benefit from gains in the world's financial markets. The aim of the solution is to minimise any unexpected volatility, particularly as members approach retirement. Responsible investment is fully integrated across My Future Focus.
Stewardship Funds
Designed to incorporate ethical and environmental, social and governance (ESG) considerations, the Stewardship lifestyle default solution helps members save for their future while actively contributing to a sustainable long-term future for the world around them. These funds are available for members to select.
My Future Choice
This comprehensive range of funds offers employers risk-graded default investment solutions for UK workplace pensions. It can help provide robust retirement solutions for all sizes and types of business. My Future Choice is only available on the Unisure platform via a financial adviser.
Not what you’re looking for?
Trust-based pensions
Our Trust-based pension schemes combine expert independent governance with quality investment choice and can be tailored to suit the specific needs of an employer’s workforce.
Set up or switch your workplace pension scheme
If you’re an employer, adviser or payroll professional, you can find out more about our workplace pension and get a quote.
Related articles
Contract and trust-based pensions
We look at the differences between contract and trust-based pensions.
Why choose a contract-based pension scheme?
A contract pension is a collection of individual personal pension plans, grouped together to make it simpler for us to look after them.