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Flexible Guarantee Investments

Flexible Guarantee Options

Investment options to help provide protection against market fluctuations and provide a guaranteed income in retirement

Flexible Guarantee Funds Series 2 (FGF)

  • The LV= Flexible Guarantee Funds (FGF) have structured and unique features to provide an important element of protection and investment security for client's retirement funds.
  • Available as a pension investment through the LV= Retirement Account, the funds provide a built in, unique, smoothing mechanism using a 26 week average of the daily fund price to take away the day to day volatility of pension investments.
  • Additionally, an optional capital guarantee gives client the ability to lock in their fund value over a fixed term (8,9 or 10 years, depending on fund choice) protecting against downside risk. It can be started, stopped or renewed at any time.
  • All funds Risk Rated by leading market and investment analysts, Defaqto*, Distribution Technology and Synaptics.

Flexible Guarantee Bond Series 3 (FGB)

  • The LV= Flexible Guarantee Bond (FGB) has a structure and unique features to provide an important element of protection and investment security for client's investments.
  • The unique smoothing mechanism uses a 26 week average of the daily fund price to take away the day to day volatility of investing money.
  • The optional capital guarantee locks in fund value at the end of a fixed term (8, 9 or 10 years depending on fund choice) protecting against downside risk. It can be started, stopped or renewed at any time.

Guaranteed secure income

Our fixed term annuity (the LV= Protected Retirement Plan) can be used as a trustee investment in the LV= SIPP.

  • This provides a guaranteed level of income over a fixed period (3-25 years), which can be a key element in a structured retirement income planning process.
  • It can also provide a guaranteed sum at the end of the plan's term regardless of market conditions.
  • Clients can therefore get the certainty of income provided by an annuity with the flexibility of drawdown, without the market risk.
  • For more information on our Protected Retirement Plan and how it can help meet your client needs, find out more here.

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

FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK