Asset allocation (spread of investment)

We want to make it transparent to our policy holders about where their money is being invested. This page looks at the spread of investment and the break down of the share of our with-profits fund.

The spread of investments in the main with-profits fund

This is the spread of investments in the main Liverpool Victoria Friendly Society with-profits fund.

The following table shows the asset mix for policies invested in the main with-profits fund as at 31st December 2003 - 2012.

Assets	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Stocks & Shares	49%	49%	56%	59%	56%	60%	62%	65%	62%	62%
Property	8%	8%	13%	15%	16%	15%	15%	15%	15%	15%
Fixed Interest	41%	40%	30%	22%	25%	20%	18%	17%	18%	20%
Cash/Other	2%	3%	1%	4%	3%	5%	5%	3%	5%	3%

The spread of investments as at 31st March 2013

This relates to the main with-profits fund.

The following table shows the spread of investment in the main Liverpool Victoria Friendly Society Limited with-profits fund, as at 31st March 2013.

Assets	%
UK Stocks & Shares	31.9%
US Stocks & Shares	4.8%
European Stocks & Shares	3.9%
Japanese Stocks & Shares	2.5%
Pacific Stocks & Shares	2.2%
UK Gilts & Fixed Interest	39.7%
Overseas Bonds	0.0%
Property	7.9%
Venture Funds	4.1%
Cash/Other	3.0%

The spread of investments for the LV= With-Profits Income Bond

The following table shows the asset mix for our With-Profits Income Bond as at 31st March 2013.

Assets	%
Stocks & Shares	30%
Property	40%
Fixed Interest	30%

The spread of investments for the LV= All-In-1 Investment Bond and...

...Guaranteed Capital Bond.

The following table shows the asset mix for each of the options available within the All-In-1 Investment Bond and Guaranteed Capital Bond, as at 31st March 2013.

Assets	Balanced	Cautious	Growth
Stocks & Shares	35.0%	12.0%	85.0%
Property	35.0%	10.0%	10.0%
Fixed Interest	28.0%	77.0%	4.0%
Cash	2.0%	1.0%	1.0%

The spread of investments for the LV= Flexible Guarantee Bond (inc. Series 2)...

and the Flexi Guarantee Plan.

The following table shows the asset mix for each of the options available within the Flexible Guarantee Bond and Flexi Guarantee Plan, as at 31st March 2013.

Assets	Balanced Series 2	Cautious Series 2	Managed Growth
Stocks & Shares	38.2%	22.6%	54.6%
Property	11.6%	6.5%	11.3%
Fixed Interest	45.3%	65.0%	29.8%
Cash	4.9%	5.9%	4.3%

You can also phone
If in doubt, please refer to your policy documents, or you can contact us on:

0845 850 0073
Textphone: 18001 0845 850 0073

We may record and / or monitor calls for training and audit purposes.

Liverpool Victoria Friendly Society Limited is authorised and regulated by the Financial Services Authority, register number 110035. LVFS is a member of the ABI, AFM and ILAG. Registered address: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333.