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Find the right plan for you

Whatever your financial goals, our investment plans are here to help you reach them

Three ways to invest with us

Pick a plan and invest in 15 Vitality funds – to enjoy our Vitality boosts and discounts – or a range of over 250* funds from leading providers, to help you meet your investment goals.

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

Stocks and Shares ISA

‘ISA’ stands for Individual Savings Account, and it’s a tax-efficient way to invest your money. While you’d pay tax on interest from an ordinary savings account, an ISA lets you keep all the gains. As a result, your savings pot could have a better chance to grow. Currently, each tax year you can pay in to up £20,000, and with a Stocks and Shares ISA, you don’t need to pay any income tax or capital gains tax on the returns.

Our Stocks and Shares ISA
✓ Easy to start 
With regular contributions from £100 a month, or a lump sum of at least £1,500. No minimum amount for additional lump sums.
✓ Potential to boost your ISA even further 
Our Investment Booster and Healthy Living Discount could add extra money on top of returns. 
✓ Easy to manage
Stop, start, increase or decrease regular contributions, and pay in lump sums at any time, up to your ISA allowance.
✓ Hassle-free transfers
From your other ISAs, without affecting your annual ISA allowance.
✓ Take money out anytime
Take money out and add it back in the same tax year without affecting your annual ISA allowance.
Learn more

Junior Stocks and Shares ISA

A Junior ISA is an Individual Savings Account, and it’s a tax-efficient way to invest for your child’s future. Currently, you can pay up to £4,368 per year, while giving your child’s money the time to grow tax-free. The money always belongs to your child, and the money can be taken out by the child when they turn 18. If your child already has a Child Trust Fund, they cannot have a Junior ISA as well, but you can transfer the entire CTF over.

Our Stocks and Shares Junior ISA
✓ Easy to start
With regular contributions from £100 a month, or with a lump sum of at least £1,500. There’s no minimum amount for additional lump sums.
✓ Potential to boost your child’s ISA even further 
Our Investment Booster and Healthy Living Discount could add extra money on top of returns. 
✓ Easy to manage
Stop, start, increase or decrease regular contributions, and pay in lump sums at any time, up to your child’s annual Junior ISA allowance.
✓ Hassle-free transfers
Easy transfer of existing Junior ISAs or Child Trust Fund, without affecting your child’s annual Junior ISA allowance.
✓ Access at 18
Money becomes available at 18 so your child can get a head-start.
Learn more

Retirement Plan

A Retirement Plan, personal pension, or self-invested personal pension (SIPP), is a type of ‘defined contribution’ or ‘money purchase’ scheme. It’s a tax-efficient way to save that you arrange for yourself. You pay into it with either regular contributions or lump sum payments, and your employer can pay in too. You can usually get tax relief on the money you pay into a personal pension. Even if you already have a workplace pension, a personal pension could be a great way to build up your retirement savings.

Our Retirement Plan - available only through advisers
✓ Easy to start
Open a plan through your financial adviser with regular contributions of £200 a month, or a lump sum of at least £5,000.
✓ Potential to boost your Retirement Plan even further 
You could earn all three unique benefits: Investment Booster, Healthy Living Discount and Retirement Booster. 
✓ Easy to manage
Stop, start, increase or decrease contributions, and pay in lump sums at any time.
✓ Access your money flexibly
When you reach retirement, you can keep your money invested, take out a tax-free lump sum when allocating all or part of your plan to flexi-access drawdown, or take cash lump sums.
✓ Flexible contributions
Stop, start, increase or decrease regular contributions, and pay in lump sums at any time, up to your annual tax allowance.
✓ Hassle-free transfers
It’s easy for you to bring pension pots together in one VitalityInvest Retirement Plan. 

It's important to understand that pension transfers are a complex area and may not suit everyone. Before going ahead with a pension transfer, we strongly recommend that you compare all the charges, features and services offered. To find out what else you should think about before transferring, talk to an authorised financial adviser.
Learn more

Three ways to boost your investments

  • Investment Booster

    Boost your investment by up to 15% over 25 years – on top of any returns. Terms and conditions apply.

  • Healthy Living Discount

    Reduce the product charge by up to 100%. Terms and conditions apply.

  • Retirement Booster

    Boost your Retirement Plan by up to 50% of what you draw down each year. Terms and conditions apply.

* Source: VitalityInvest Retirement Plan VitalityInvest ISA and Junior ISA Fund List, May 2019
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
* Source: VitalityInvest Retirement Plan VitalityInvest ISA and Junior ISA Fund List, May 2019