Personal Business Sponsorship Menu MyAviva Claims Search Business Insurance Corporate Saving & Investment Plans Your employees work hard. Your money should too Holding your company’s money on deposit may make sense to meet short term cash flow requirements, however, holding all your surplus cash in deposit can be inefficient and may have a negative impact on your balance sheet as: Deposit interest rates at historic lows With a number of banks now offering negative interest rates and the highest five year fixed term deposit is 0.1% AER1,2 Inflation is eating into your money on deposit Ireland’s annual inflation rate increased to 3.75% in September 20213. With interest rates at historic lows, returns to deposit accounts are not keeping pace with inflation eating into the real value of your company’s balance sheet. 1. Source: Bonkers.ie 11 October 2021. 2. Qualifying terms and conditions apply to fixed deposits. The interest earned in a fixed term deposit account is guaranteed. When you invest in a deposit account you may qualify for compensation under the Deposit Guarantee Scheme if the bank is unable to meet their obligations to you. A life assurance levy of 1% is chargeable on all premiums invested through Aviva Corporate Savings Plan and Investment Bond. 3. Source: www.inflation.eu 03 November 2021. Speak with your Financial Broker If you want to give your company’s surplus money the potential to work harder than deposits and the potential to outperform inflation, now may be the right time to speak with your Financial Broker about Corporate Investment Bond and Corporate Savings Plan from Aviva. When you do this, your company's surplus money will be invested in a fund to match the risk profile that you are comfortable to take, meaning it will have good potential for growth, especially over the long-term. Aviva offers you access to a broad range of funds across the risk spectrum, asset classes and from a range of leading global fund managers. The following table show how lump sum investors in some of Aviva’s more popular funds have posted strong returns over a five year period. Fund value of a €50,000 initial investment after 5 years to -01 October 2021. Net of annual management charge but gross of other changes and tax Fund name ESMA Risk Rating Initial Investment Investment Value after 5 Years Compass Cautious 3 €50,000 €55,443 Aviva Multi Asset Fund Strategic Series C 4 €50,000 €61,228 Aviva L&G Multi-Index IV Fund Series C 4 €50,000 €62,471 Aviva L&G Multi-Index V Fund Series C 5 €50,000 €72,730 Aviva Merrion Multi Asset 70 Series C 5 €50,000 €82,297 Aviva High Yield Equity Fund Series C 6 €50,000 €85,845 Stewardship Fund 6 €50,000 €101,639 Source: Longboat Analytics. The returns quoted include the reinvestment of net income, are net of trading costs and net of an annual management charges of 1% for the High Yield Equity Fund, Multi-Asset Fund Strategic, 0.5% for the Merrion Multi-Asset 70 Fund, 0.95% for the L&G Multi-Index Fund IV and L&G Multi-Index V Fund, 1.13% for the Stewardship Fund, and 0.75% for the Compass Cautious Fund. For details of the charges applicable on your fund selection contact your Financial Broker. Other insurance contract charges apply and as such the returns shown do not represent the returns on insurance contracts linked to these funds. Details of all charges for a particular product are available on request. Aviva risk rates its funds using the ESMA risk ratings scale from 1 to 7. 1 being the lowest risk and 7 being the highest. For more information download our ‘Your Investments Guide’ Warning: Past performance is not a reliable guide to future performance. Warning: The value of your investment may go down as well as up. Warning: If you invest in this fund you may lose some or all of the money you invest. Warning: This fund may be affected by changes in currency exchange rates. List of funds A full list of funds available and their performance can be found on our fund centre. View fund centre Supporting documentation Corporate Savings & Investment Customer Flyer PDF (377.4 KB) Corporate Savings & Investment Brochure PDF (909.2 KB) Benefits of investing Watch our short video where Stephen Rice, Investments and Pensions Proposition Lead at Aviva Life & Pensions Ireland DAC explains the benefits of investing in a Corporate Investment Bond and Corporate Savings Plan. Transcript Learn more about Investment Bond Investment Bond Learn more about Savings Plan Savings Plan Learn more about your investment options Investment options Expert advice Want expert advice? Contact your Financial Broker today. Find a Financial Broker Warnings The information here is based on our understanding of the situation in October 2021. You should not base your decision to invest solely on information in this web page. You should seek professional tax and legal advice to satisfy yourself of your own tax position, as the information given is a guideline only. The funds referred to in this web page may be linked to an insurance-based investment product and the Key Information Document (KID) for this product is available at www.aviva.ie/KIDs. The Risk Ratings of the funds referred to in this document differ from the corresponding Summary Risk Indicators shown in the KID. An explanation of the differences between the Risk Rating and the Summary Risk Indicator is available at www.aviva.ie/KIDS. Warning: Past performance is not a reliable guide to future performance. Warning: The value of your investment may go down as well as up. Warning: If you invest in these funds you may lose some or all of the money you invest. Warning: The income you get from this investment may go down as well as up. Warning: These funds may be affected by changes in currency exchange rates. Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at One Park Place, Hatch Street, Dublin 2, D02 E651. Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. Tel (01) 898 7950. 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