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The LV= ISA delivers a smoother investment journey for more cautious clients and uncertain investment times.

Transparent and proven smoothing process
  • Our smoothing mechanism helps to smooth out and reduce the effects of short term market fluctuations.
  • The smoothing mechanism is applied for each separate investment paid. For the first 26 weeks the investment’s value reflects the daily underlying fund price. Thereafter its value is the price averaged over the previous 26 weeks.
  • Proven track record of significantly reducing volatility, as used in our popular Flexible Guarantee Funds (available through our Pension and Bond).

Important information

In exceptional market conditions (when the underlying price is 80% of the averaged/'smoothed' price), the fund will be valued on the underlying price. We also reserve the right to do this at other times.

10-year capital guarantee available on our ISA Cautious Fund

For those clients looking for capital preservation, a 10-year capital guarantee is available to buy on the ISA Cautious Fund on initial or subsequent investments, or on the expiry of a previous guarantee, where a guarantee is available.

Invest between £10,000 and £1 million
  • Our ISA accepts initial and ad hoc lump sum investments and ISA transfers only.
  • The maximum investment is £1,000,000 across the LV= ISA, and aggregated investments into our Flexible Guarantee Bond (all series) and Flexible Guarantee Funds (all series).
  • The maximum subscription for the current tax year combined across all ISAs is £20,000. Transfers in from previous tax years don't count towards this annual limit.
Three global multi-asset, risk rated funds
  • Clients can choose from our ISA Cautious, ISA Balanced or ISA Growth Funds.
  • These have been risk-rated 3, 4 and 5 respectively by Defaqto and Distribution Technology.
  • Match the fund choice to your client’s risk profile and ensure client suitability.
  • Clients can only have one LV= ISA investing in one of the three fund options at any one time.
Expert multi-aspect investment management
  • Our funds are managed by Columbia Threadneedle Investments to our exacting mandate.
  • All three funds invest in an actively managed, globally diversified portfolio, of fixed interest securities, equities, property, cash and other related investments to achieve long-term growth.
Easy application and transfer process
  • Transferring is simple with a no signature required online application.
  • Automated client checks, backed by our ISA transfer desk.
  • We use the Origo Transfer Service, and we’ll do all the work to transfer funds from the ceding provider.
  • For transfers from ISA managers not using the Origo Transfer Service, we have a simple non-electronic process.
Quick and easy online valuations
  • Our online valuation tool offers a quick and easy way to find out the current value of a client's investment in just a few clicks.

Take a look at our Key Information Documents to learn more


Performance

Flexible Guarantee Bond

Providing an important element of protection and investment security for client's.

Fund options

Flexible Transitions Account

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

Membership rights

Member benefits

Taking out an ISA entitles your client to member benefits, such as discounts on other products.

Contact us

Contact us

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

Connect with us

About retirement

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