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Our investment charges
With us, you could pay less to invest – or nothing at all
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 when you look after yourself by taking part in the Vitality Programme and invest in Vitality funds, 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 are the charges?
Product charge - this is for administrating your plan and is tiered, so the more you invest, the lower the rate you pay. Invest in Vitality funds, and you could pay no product charge at all.
Fund charge - for the ongoing management of the funds.
Adviser charge - only applicable if you take out your plan through a financial adviser. This charge 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.
See charges schedule
Fund charge - for the ongoing management of the funds.
Adviser charge - only applicable if you take out your plan through a financial adviser. This charge 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.
How investing with us could cost you less
When you open an investment plan with us, and look after yourself with the Vitality Programme, you could pay no product charge at all.
It’s simple: the more you do, the less you pay.
Take part in the Vitality 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. Achieve Platinum status and invest in Vitality funds, and you could pay £0.
Explore the Healthy Living Discount
It’s simple: the more you do, the less you pay.
Take part in the Vitality 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. Achieve Platinum status and invest in Vitality funds, and you could pay £0.
See how your product charge reduces if you track your healthy habits:
| Value of investment across all VitalityInvest plans | Bronze Vitality Status | Silver Vitality Status | Gold Vitality Status | Platinum Vitality Status | |
|---|---|---|---|---|---|
| Invested in Vitality or third party funds | Invested in Vitality or third party funds | Invested in Vitality or third party funds | Invested in third party funds | Invested in Vitality funds | |
| < £75k | 0.45% | 0.35% | 0.30% | 0.20% | 0.00% |
| £75k - £150k | 0.30% | 0.22% | 0.20% | 0.15% | 0.00% |
| £150k - £250k | 0.25% | 0.20% | 0.15% | 0.10% | 0.00% |
| £250k+ | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Stocks and Shares ISA
Get your tax-efficient investment under way. Capital at risk.
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Junior ISA
Kick-start your child’s savings with a tax-free investment. Capital at risk.
Explore our JISA JISA calculator
When you invest in a VitalityInvest ISA, JISA and/ or Retirement plan, there's no capital gains tax to pay on any growth and no income tax to pay on any interest you receive. The amount of tax you save and your eligibility to invest in a tax-efficient plan, depend on your personal circumstances. All tax rules may change in future.