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Plans with Healthy Fee Saver and Boosters.

Giving your clients' investments a boost over the longer term when they invest in Vitality funds.

This site is for UK investment professionals only. If you're not an investment professional, please find out more about us at vitality.co.uk.

These plans incentivise clients to save sooner, invest for longer, manage their income drawdown and look after their health.

How it works.

When your clients invest for longer, we boost their savings with extra money through our Investment Booster. When they manage their income in drawdown, we add extra money to their retirement savings through our Retirement Booster. And when your clients take steps to be healthy, through our Healthy Living Discount we charge them less to invest and reward them with real financial benefits. We call this shared value - and it leads to outcomes that are good for your clients, good for you, good for us and good for society.

Ways to invest with us:

Retirement Plan

Your clients can save for their retirement and access their money in a way that works for them when they retire

Stocks and Shares ISA

Help your clients' money grow tax efficiently

Stocks and Shares Junior ISA

A tax-efficient way for your clients to save for their children under 18

Unique ways to help your clients' money grow.

  • Vitality Programme – Included at no additional cost. It’s designed to help your clients take steps towards a healthier future. To make it easier, we offer discounts on compatible activity trackers, health checks, sports shoes, mindfulness apps and more.
  • Healthy Living Discount – Your clients will earn a discount of up to 100% on their product charge when they invest in Vitality funds and reach Platinum status.
  • Investment Booster – Your clients will get an extra 2% boost to their investment every 5 years, on top of any returns, just for staying invested in Vitality funds.
  • Retirement Booster – We boost clients’ Retirement Plan by up to 50% of what they draw down each year, when they invest in Vitality funds and take steps towards a healthier future.

Our plans at a glance.

Stocks and Shares ISA

Easy to start

Regular contributions of £50 a month, or with a lump sum of at least £1,500

Easy to manage

Your clients can stop, start, increase or decrease regular contributions, and pay in lump sums at any time, up to their annual tax allowance

Simple transfers

Your clients can easily transfer existing ISAs

Access

Clients can withdraw money and add it back in the same tax year, without any additional charge, and it won’t affect their annual allowance

Feature

 ISA
Payments into the plan Minimum initial single subscription £1,500
Minimum initial transfer value £1,500
Minimum regular subscription (per month) £50
Payments out of the plan Minimum withdrawal amount n/a
Regular income can be taken on any day between 1st and 28th of the month  ✓
Minimum/maximum age Minimum age at entry 18
Maximum age at entry n/a 
Insurance benefit Accidental death benefit (value of plan increased by 5% on death due to accident) ✓
Shared value through plans with Healthy Fee Saver and Boosters Vitality Programme (Select version)  ✓
Healthy Living Discount ✓
Investment Booster ✓
Retirement Booster X
Investment options Vitality funds  ✓
Third-party funds  ✓
Create model portfolios  ✓
Pre-funding of switches between funds  ✓

* Includes tax relief

The value of investments and the income from them can go down as well as up and your clients may get back less than they invest.

Stocks and Shares Junior ISA

Easy to start

Regular contributions of £50 a month, or with a lump sum of at least £1,500

Easy to manage

Your clients can stop, start, increase or decrease regular contributions, and pay in lump sums at any time, up to their annual tax allowance

Simple transfers

Your clients can easily transfer existing Junior ISAs or child trust funds

Access

Your client's child can only access the money when they turn 18

Feature

 Junior ISA
Payments into the plan Minimum initial single subscription £1,500
Minimum initial transfer value £1,500
Minimum regular subscription (per month) £50
Payments out of the plan Minimum withdrawal amount Withdrawals can only be taken out of a Junior ISA when the child reaches age 18
Regular income can be taken on any day between 1st and 28th of the month n/a
Minimum/maximum age Minimum age at entry 0
Maximum age at entry Less than 18 
Insurance benefit Accidental death benefit (value of plan increased by 5% on death due to accident) ✓
Shared value through plans with Healthy Fee Saver and Boosters Vitality Programme (Select version) ✓
Healthy Living Discount ✓
Investment Booster ✓
Retirement Booster X
Investment options Vitality funds ✓
Third-party funds ✓
Create model portfolios ✓
Pre-funding of switches between funds ✓

* Includes tax relief

The value of investments and the income from them can go down as well as up and your clients may get back less than they invest.

Retirement Plan

Easy to start
Your client can start a plan with regular contributions of £200 a month, or with a lump sum of at least £3,600. There’s no minimum amount for additional lump sums. 

Flexible contributions
Your client can stop, start, increase or decrease regular contributions, and pay in lumps sums at any time up to their annual tax allowance.

Simple transfers
We make it easy for your client to bring pension pots together into one VitalityInvest Retirement Plan.

Easy access
When your client reaches 55, they can access their money in a way that works for them.

Feature

Retirement Plan (Accumulation)

Retirement Plan
(Flexi-access drawdown)

Payments into the plan

Minimum initial single contribution

£3,600*

No minimum on crystallisation of existing plan

Minimum initial transfer value

£3,600

£25,000

Minimum regular contribution (per month)

£200*

n/a

Payments out of the plan

Minimum withdrawal amount

n/a

£0

Regular income can be taken on any day between 1st and 28th of the month

n/a

✓

Minimum/maximum age

Minimum age at entry

18

55

Maximum age at entry

n/a

n/a

Insurance benefit

Accidental death benefit (value of plan increased by 5% on death due to accident)

✓

✓

Shared value through Healthy Fee Saver

Vitality Programme (Select version)

✓

✓

Healthy Living Discount

✓

 ✓
Investment Booster ✓
  X
Retirement Booster  X ✓

Investment options

Vitality funds

✓

✓

Third-party funds

✓

✓

Create model portfolios

✓

✓

Pre-funding of switches between funds

✓

 

✓

* Includes tax relief

Product charges.

Depending on the total amount invested, there’ll be a monthly product charge for setting up and maintaining the plan. See how your client could pay lower product charges through our Healthy Living Discount. Find out more about charges.

Funds.

We offer a range of Vitality funds and third-party funds to cater for a wide variety of client needs. We’ve partnered with world-leading investment managers Vanguard, SEI Investments, and Ninety One to offer a range of Vitality funds to match your clients' needs. Together, they share in our philosophy and values, each bringing distinctive strengths to our proposition.

Whether your clients are looking to manage risk, consolidate pension pots, generate an income in retirement or invest in a more sustainable future, our funds make it easy for you to help them.

Vanguard, SEI and NinetyOne logos

We also offer access to over 500 third-party funds from more than 50 leading fund managers. This includes access to over 30 popular funds with a focus on ESG. These funds, along with our model portfolio functionality, allow you to build your own solution to meet your clients’ needs.

See our Funds page for more information 

Where to next?

  • Healthy Living Discount

    woman on laptop

    By making healthy lifestyle choices, your clients can save more on product charges through our Healthy Living Discount.

    Learn More

  • ISA

    Professionals shaking hands

    Help your clients fund their ambitions tax efficiently with our VitalityInvest ISA.

    Learn More

  • Junior ISA

    woman sat on chair

    Choosing a VitalityInvest Junior ISA is an ideal way for your clients to invest on behalf of their children and give them a financial head start.

    Learn More

  • Retirement Plan

    Man on escalator

    Discover our personal pension plans that allow your clients to save towards their retirement and access their savings flexibly when they retire.

    Learn More
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