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Investment Booster

Boost your savings by up to 15% over 25 years

Vitality has always rewarded customers for looking after their health. Now we also reward you for looking after your wealth.

Our Investment Booster motivates you to invest earlier, put in more and let it grow for longer. If you stay invested in Vitality funds, it could amount to a cumulative boost of 15%, over 25 years.

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.

How it works

When you invest in Vitality funds for your ISA, Junior ISA or Retirement Plan continuously for five years, we’ll boost your investments with extra money - on top of any growth. As long as you stay invested in our Vitality funds, every five years we’ll boost them again.

If you invest more in Vitality funds in subsequent years, we’ll boost these investments too, once they’ve been invested continuously for five years.

So after five years you could receive a boost each year.

How we’re able to reward you

When you save for longer, your money has a better chance to grow. That’s good for us, and good for you. What’s more, we believe it’s only right to share some of our earnings with you. It’s all part of what we call shared value. Think of it as motivation to get where you want to be.

What you could get back

That depends on how much you invest in Vitality funds* and how long you save for. The boost starts at 2% of your investment in our Vitality funds – plus any returns – after five years, and increases over time. Here’s how:

*An investment fund pools your money with that of other investors to collectively buy shares in various companies.

Current Rates:

 Investment Term  Boost  Cumulative boost
 5 years  2%  2%
 10 years  2.5%  4.5%
 15 years  3%  7.7%
 20 years  3.5%  11.5%
 25 years  4%  15.9%
 Every 5 years after 25 years  4%  n/a

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.

Example calculation

Picture this

If you invested £30,000 in our Vitality funds for a house deposit and it grew to £36,500 after 5 years, with our Investment Booster, we’d boost your investment with £730 – a significant contribution to your solicitor’s fees.

If you invested £30,000 for retirement and it grew to £79,900 after 25 years, with our Investment Booster, you’d get £12,700 extra over the 25 years.

Assuming that growth net of all fees and charges is 4% p.a.


Please be aware that the Investment Booster doesn’t apply to the amount of a Retirement Plan that is allocated to flexi-access drawdown.

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.

Any information given here should not be taken as advice and is not intended as a personal recommendation to invest in a particular product. To find the best investment 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 the time.

Your questions answered

When will I get a boost?

Every five years, as long as you stay invested in eligible Vitality funds. If you withdraw your money or switch your money into non-Vitality funds, we cannot pay you a boost.

Which funds do I need to invest in to be eligible for the Investment Booster?

Any Vitality fund, from the Performer or Risk Optimiser range. The bigger your investment in these funds, the bigger the boost could be.

Could I get the Investment Booster with a Junior ISA?

Yes, it would become part of your child's Junior ISA investment. 

What are the eligible Vitality funds?

We’ve partnered with leading investment managers, Investec Asset Management and Vanguard, to build a range of 15 Vitality funds. Every fund is designed to achieve the outcomes you want, whether that’s growing your investment, generating an income in retirement, or managing the risk you take.

Get details of each Vitality fund
 

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