Skip to Content

Our investment charges

With us, you could pay less to invest

Whether it’s an ISA, a Junior ISA or a Retirement Plan, you’ll want to pay as little as possible in charges. So you’ll be pleased to know that if you have a qualifying* VitalityHealth or VitalityLife policy, and look after yourself with our healthy living programme, our Healthy Living Discount means you could pay no product charge at all.

Remember, the value of investments and the income from them can go down as well as up, meaning you may get back less than you invest.

*What’s a qualifying policy?

By holding one of these policies, you will be a member of our healthy living programme:

  • VitalityHealth: Personal or Business Healthcare plans or Corporate Healthcare plans with Vitality Plus
  • VitalityLife: Policies with Vitality Plus, excluding Vitality Core and Vitality Lite
Terms and conditions apply

Please note the value of investments - and the income from them - can go down as well as up, meaning you may get back less than you invest.

What are the charges?

Product charge – tiered, so the more you invest, the lower the rate you pay. You could also reduce it with the Healthy Living Discount.

Fund charge - for the ongoing management of the funds.

Adviser charge – this is what we pass on to your financial adviser for providing you with advice relating to your plan. The amount is agreed between you and your adviser and not set by us.
Learn more

How investing with us could cost you less

If you have a qualifying VitalityHealth or VitalityLife policy, and look after yourself with our healthy living programme, you could pay no product charge at all.

It’s simple: the more you do, the less you pay.

Take part in our healthy living programme and do things like staying active and tracking it, having a health check or buying healthy food, to earn Vitality points. The healthier your efforts, the more points you earn, which contribute to your Vitality status - Bronze, Silver, Gold and ultimately, Platinum. The higher your Vitality status, the more you save on product charges when you invest in Vitality funds. Achieve Platinum status, and you could pay £0.

Any information given here should not be taken as advice and is not intended as a recommendation to invest in a particular product. To find the best investments for you, speak to a financial adviser. You should also regularly assess your existing investments, to make sure they meet your attitude to risk and investment goals at that time.

Your questions answered

What if I already have a qualifying VitalityHealth or VitalityLife plan?

If you hold one of the policies below, then you’ll be a member of our healthy living programme. That means your investment through VitalityInvest, whether it’s an ISA or a Retirement Plan, is already off to a great start.

  • VitalityHealth: Personal or Business Healthcare plans or Corporate Healthcare plans with Vitality Plus
  • VitalityLife: Policies with Vitality Plus, excluding Vitality Core and Vitality Lite

How can I track the value of my investments?

When you invest with us you can get access to Member Zone, which lets you see all your plan documents and manage your account.

Stocks and Shares ISA

Get your tax-efficient investment under way. Capital at risk.

Open an ISA Find out more
Junior ISA

Kick-start your child’s savings with a tax-free investment. Capital at risk.

Open a Junior ISA Find out more
Speak to your financial adviser to open a VitalityInvest Retirement Plan

Find out more Find an adviser