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LV= Smoothed Managed Fund range

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

Our Smoothed Managed Funds are most suitable for more cautious investors with a ‘very 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.

Why the LV= Smoothed Managed Fund range?

A unique smoothing process

Graph showing the ups and downs of the stock market being smoothed over time

Our proven smoothing process helps take away the day-to-day worry of investing. Using a 26-week average of the daily fund price, the impact of short term market volatility is reduced. What's more, it's simple, transparent and easy to explain to your clients.

Funds consistently risk-managed

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Expert fund management and governance

Columbia Threadneedle Investments

Hear how LV= and Columbia Threadneedle Investments collaborate closely in the management of our Smoothed Managed Fund range.

Hello, I’m Alex Lyle, Investment Manager & Head of Managed Funds at Columbia Threadneedle Investments.

We are a leading global asset management company, part of financial services group Ameriprise Financial, with more than 2000 employees located across 17 countries around the world, including 450 investment professionals .

We have a very long and deep relationship with LV=, one of our largest strategic clients, and over many years have collaborated closely to ensure that the funds within the LV= Smoothed Managed Fund range deliver the outcomes required to help achieve the expectations of LV= policy holders. The funds are split into three risk categories: Growth, Balanced and Cautious. These categories are determined by the extent of investment in equities, which carry a higher level of risk, compared to bonds, which are lower risk.

The asset allocation for each of these risk categories is modelled using views of expected returns and volatilities. The modelling involves thousands of asset allocation scenarios and the results are subjected to analysis and due diligence to reach the optimal allocation.

The underlying investments in each fund come from our extensive range of pooled funds, each with its own specialist, dedicated management.

We strongly believe in the merits of selecting in-house funds as it allows deeper risk analysis, keeps costs down and ensures greater consistency of strategy. Our investment philosophy and process are built around collaboration: we emphasise teamwork and integrated research. We aim to deliver superior returns for our clients through:

An active approach that takes advantage of market inefficiencies

Our perspective advantage – the combination of macro and micro analysis to establish our view of the global economic environment.

The appropriate allocation of risk

Our aim is to deliver consistently strong real returns over the long term, whilst carefully managing risk within each fund. We believe our long-term track record demonstrates our ability to add value through both stock selection and asset allocation, backed by the unique investment philosophy which underpins our business.

This involves a strong process, based on extensive teamwork from a wide group of experienced professionals.

If you’d like more information about LV=’s range of Smoothed Managed Funds, please speak to your LV= Retirement Consultant.

Accessible through three product solutions

Pension

Flexible Guarantee Funds

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

Bond

Flexible Guarantee Bond

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

ISA*

LV= ISA

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

*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.

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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.
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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

Connect with us

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