Common enquiries

An Investment Bond is a lump-sum investment which is designed for investment growth. The Investment Bond is provided by Aviva, one of the biggest names in life insurance and pensions in the UK.

Investment Bond is no longer available to new customers, but if you have already invested, the minimum investment was £5000 and there is no maximum.

The Investment Bond has no fixed term so you can invest for as long as you like. You should see it as a medium to long term-investment (5 years of more) and if you take any money out during the first five years, an early exit charge will be applied.

We arrange The Investment Bond in association with Aviva, so your money will be invested by Aviva.

On your behalf, Aviva will invest your money into the funds you choose to make up your Investment Bond, which can include our own Co-operative Investments funds.

Find out how the funds you've chosen are performing, by taking a look at the latest Fund Factsheet

The Investment Bond is a medium to long-term investment, not a savings account, so you should intend to leave your money in for as long as possible, to give it the best chance to grow.

But you can make withdrawals (either occasional 'one-off' withdrawals, or more often as a regular 'income'). Bear in mind that any withdrawals you make will reduce the amount you get back when you cash your investment in.

You can take a look at the latest fund factsheets online.

Aviva will also send you a statement each year on the anniversary of your investment, showing a cash-in value for your Bond at the time. You can also get an up-to-date valuation of your Investment Bond whenever you need it, by calling Aviva on 0845 300 4728.
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View the latest fund factsheets for our range of funds.

Yes. The Scheme is designed to protect investors if a financial services company becomes insolvent and is not be able to meet its obligations to you.

Because the Investment Bond is provided by Aviva, you would be able to make a claim if they become insolvent for 90% of the value of your Investment Bond at the time.

Find out more about the Financial Services Compensation Scheme.