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Flexible Guarantee Funds

Our Flexible Guarantee Funds are a range of three multi-asset pension funds that aim to grow clients’ money while providing them with a reliable, low volatility investor experience.

We’ve designed the funds to suit pension clients who feel uncomfortable with volatile investment journeys, and for those seeking safer investment solutions, both during the accumulation process and while taking drawdown income.

Our smoothed pension funds are uniquely equipped to support risk-sensitive clients.

  1. Proven smoothing process based on past performance, not future expectations.
  2. Fund management in partnership with Columbia Threadneedle Investments.
  3. Funds risk-managed to maintain 3, 4 and 5 risk-ratings from Defaqto* and Distribution Technology.

An optional capital guarantee can be bought to lock-in investment value. Our guarantees can be flexibly started, stopped or renewed at any time.

*Defaqto is a financial information business, helping financial institutions and consumers make better informed decisions.

Smoothed returns

Our proven smoothing process helps take away the day-to-day worry of investing.

What's more, it's simple, transparent and easy to explain to your clients.

Expert fund management

The Flexible Guarantee Funds are managed to our exacting mandate by Columbia Threadneedle Investments.

Smoothed Managed Fund range

Our smoothed funds are available through a pension, bond and the new LV= ISA.

Online services

Key documents

0800 032 2990

TextDirect: First dial 18001

8.30am - 5.30pm Monday to Friday

Calls will be recorded and may be monitored for training and audit purposes

Full contact us information


Flexible Guarantee Bond

Providing an important element of protection and investment security for clients.


Flexible Transitions Account

The easy way to recommend and deliver LV= retirement income products in one place.



Find out how we can offer tax efficient savings with long term growth potential.


Contact us

Read more about where we're based and all of our contact information.

Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK