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Smoothed investments

LV= Smoothed Managed Fund range

A range of multi-asset, risk-rated funds designed to help deliver a low volatility investor experience and bring more tranquility to risk-sensitive clients.

Our Smoothed Managed Funds are most suitable for more cautious investors with a ‘low risk’ to ‘low medium risk’ risk profile. These are likely to be clients that are nearing, or in retirement with a decreasing capacity for loss, looking to balance growth potential with reducing risk.

These funds are designed for long term growth, so an investment of at least five years plus.

Find out more about some great features of the range

A unique smoothing process

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

Using a 26-week average of the daily fund price helps to reduce the impact of short term market volatility

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

Fund management

The LV= Smoothed Managed Funds are multi-asset and risk-rated to specifically appeal to clients with a ‘very low’ to ‘low-medium’ attitude to investment risk.

They are managed to our exacting mandate by Columbia Threadneedle Investments.

This summer we launched our new stocks and shares ISA as part of the range. In this video we share the feedback we've had from advisers.

What have advisers been saying about the Smoothed Managed Fund range?

Aimee Hughes, Retirement Consultant

I think that we already had a really strong proposition on the retirement side of it and also the investment bonds. The fact that the ISA is now launched is just giving us the opportunity to look at those business models with the advisers and being able to plug into retirement, investments and the ISA as well.

Richard Humphries, Retirement Consultant

My advisers that I speak to on a regular basis are really receptive and real big fans of the smoothing that we have in place within our Smoothed Managed Fund range. It's very clear and easy to understand.

It's very straightforward and very easy to put across to the client so they know exactly what's going to happen.

Louis Marasco, Retirement Consultant

What it does do is allow them and their clients to have everything under one roof which helps with just consistency. I think a lot of clients do like everything in one place if they possibly can have that.

Richard Humphries, Retirement Consultant

Well as we know Columbia Threadneedle, who manage the Smoothed Managed Fund range for ourselves are extremely well-known. They're very reputable and very trustworthy. I think there's also a real level of respect that we find when we speak to the advisers and they're happy that we work alongside Columbia Threadneedle and they've got the security that they know such a well housed fund manager is looking after the Smoothed Fund range

Looking for Pension Investment Management?

We have a range of funds and investment options to meet all your client needs. From low-cost risk-rated passive funds, to Discretionary Fund Management through a panel of eight of the leading DFM providers.

Our Smoothed Managed Funds are accessible through three product options

ISA*

LV= ISA

Our ISA smoothed funds are accessible through our new stocks and shares ISA.

Bond

Flexible Guarantee Bond

Our Flexible Guarantee Bond offers potential for capital growth with ongoing flexibility and guarantee options.

Pension

Flexible Guarantee Funds

Our Flexible Guarantee Funds are accessible as a pension investment through the LV= Flexible Transitions Account.

*The LV=ISA is a non-profit investment and does not participate in profits made from wider business risks and opportunities. There will therefore be no mutual bonus payable on the plan.


Padlock with a green heart

Optional guarantees are also available to further reduce the risk to capital

Guarantee options, availability and terms differ - please see product information for details

Important Information

  1. Clients investments may go down as well as up and they could get back less than invested.
  2. The funds within our Smoothed Managed Fund range are designed to provide steady long term growth for a period of at least five years.
  3. Our smoothing process doesn’t mean investments won’t drop in value. Smoothing will not prevent losses in longer term falling markets.
  4. In exceptional market conditions (when underlying process in 80% of the averaged or ‘smoothed’ price) the fund will be
    valued on the underlying price. We also reserve the right to do this at other times.
  5. If clients select a guarantee (where a guarantee option is available) they will need to be aware of our associated terms and
    charges.

Member benefits

Every client who is covered by one of our personal or business protection and retirement products automatically becomes a member of LV=. This means they are entitled to a range of added benefits and support.

Working with LV=

We’ve been providing financial stability to our customers since 1843 as Liverpool Victoria, and we’re fully committed to the intermediary market. By working with us, you will get the support you can expect from a respected provider.

LV= Insights

We know your time is precious, that’s why we’ll help you keep on top of the latest industry news and regulations affecting your business.

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Contact us

Have a query? Speak to your usual LV= sales contact or call our dedicated Retirement Desk on 0800 085 0250.

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