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Ready made funds

Let's start by finding the right fund to invest into. We just need to know a bit more about your investment goals and the level of risk you'd like to take.

This will help you choose the right ready-made fund to meet your needs. But don't worry - we'll walk you through the process.

Step 1: Choose your fund type

You can choose from two different types of fund: growth or income.

How do they work?

Managers of both growth and income funds invest in similar assets - such as bonds, shares of companies, property and cash like assets. But whereas growth fund managers are looking for assets that will increase in value over time, income fund managers invest in assets that aim to generate a regular income.

When investing, remember the value of your investment can go down as well as up and you may get back less than the amount paid in.

Step 2: Choose your risk level

Now select the level of risk you want your fund to be managed with.

What's the difference between risk types?

You can choose from four different levels of risk, from lower through to higher. The risk level will determine the level of potential returns you'll get from your growth fund. With each risk level, we've added a guide of what to expect a fund at that level of risk to offer.

You should look into the specific features of the fund shown to ensure it meets your needs and you are happy to invest in it.

How do they work?

A higher risk level may offer a potentially higher return. However, this means you could also be exposed to higher losses. A lower risk level does the opposite - offering lower returns, but potentially smaller losses.


For investors who are prepared to take a large amount of risk in order to increase the chances of achieving large returns.

By choosing a higher risk fund you will:

  • typically, be invested predominantly in a wide range of shares with a small amount of fixed interest/bonds held to provide some diversification
  • be investing in higher risk assets for the potential higher growth, rather than lower risk assets which aim to limit losses
  • be prepared to take a higher degree of risk with your investment than that in the Medium to High Risk category in order to maximise potential returns
  • accept that there is an increased likelihood of large fluctuations to the value of your investments on a frequent basis and you may get back less than the amount invested

Fund summary

Take the time to understand more about this fund's assets, performance and charges.
The value of your investment can go down as well as up and you may get back less than has been paid in.

Aviva Investors Multi-asset Fund V

The Aviva Investors Multi-Asset Fund V invests in a range of asset classes across different regions. This fund is actively managed by experts at Aviva Investors.

Our charges

Fund Manager Charge of 0.34%

This charge is levied by the fund management company to cover the costs and expenses of managing the fund and appears as an Ongoing Charge Figure (OCF) on your statement. This charge is incorporated into the price of the fund rather than being taken out of your account.

Aviva Charge of 0.40% (maximum)

This is what we charge each year for administering your account. It's calculated daily and taken from the cash account monthly. We calculate this charge based on the value of your investment. Here's how it works:

First £50,000 0.40%
Next £200,000 0.35%
Next £250,000 0.25%
Amounts above £500,000 0.00%

Total charge

Here's what the charges come to in total each year. This is equivalent to approximately £0.61 each month for each £1,000 held.

Fund manager charge 0.34%
Aviva Charge (maximum) 0.40%
Total charge 0.74%

Accurate as at 31/08/2019.

Summary and past performance

Below you can find the past performance of this fund. Please bear in mind that past performance isn’t an indicator of future performance.

Discrete performance

Past Performance (% Growth)
17/09/18 - 17/09/19 17/09/17 - 17/09/18 17/09/16 - 17/09/17 17/09/15 - 17/09/16 17/09/14 - 17/09/15
7.03% 6.66% 14.82% 17.28% -

All fund data is provided by FundsLibrary, with the exception of price and performance data, which is provided by FE.
The basis of the comparison is mid to mid, with net income reinvested, and net of ongoing charges and fees. The Aviva Charge would reduce the amount received.

Accessible chart data

What does this fund invest in?

The manager of this fund invests in a variety of different assets (such as shares of companies, cash/money markets) to generate either growth or income. Below you can see the fund’s current make-up.

Asset Allocation
Shares 92.4 %
Bonds 15.8 %
Cash -8.2 %

Accurate as at 31/08/2019.

92.4 % Shares

A share represents a financial interest in a company listed on a stock exchange. Because they can go up and down in value, shares are riskier than most other investments. But they also usually offer the greatest chance for higher returns over the longer term.

15.8 % Bonds

Issuing bonds is a way in which companies and governments borrow money. They include UK Government bonds, sovereign bonds/debt, UK corporate bonds and international bonds.

-8.2 % Cash / Money Markets

Cash includes short-term deposits (such as a bank or building society account) and money-market securities. These are investments that governments, major banks and other institutions issue to generate interest.

Accurate as at 31/08/2019. Asset allocations are indicative only and subject to change. They rely on the classification of holdings into bandings that will not always be a perfect fit. They should not be relied upon as an exact record of historic fund diversification and do not indicate any guarantee of future asset and fund allocations. The negative cash figure shows that the fund is over 100% invested in active asset allocation (this is termed leverage). This is because derivatives allow the fund to get more exposure to an underlying asset than would be achievable if it was to invest directly in the asset instead. Leverage can significantly magnify losses or gains due to changes in the value of the underlying assets.

Important information

Take the time to look through our Key Investor Information and the fund's factsheet before deciding to invest. The Key Investor Information Document provides more detailed explanations of the fund's aim and specific investment risks than the information on this page.

You can also learn more about this fund, including in-depth performance information and fund manager details.

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Financial advice

If you're looking for help with your investment options, our financial advice support team can help you decide whether financial advice is right for you.

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Active investments aim to beat the market by using professional fund managers who decide where to invest.

Passive investments aim to track or replicate markets.

No advice provided by: Aviva Life & Pensions UK Limited. Registered in England No 2403746. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 145452.

Aviva UK Digital Limited introduces to Aviva Pension Trustees UK Limited for pensions. Aviva UK Digital Limited is registered in England No. 09766150. Registered office: St Helen's, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 728985.