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With-Profits Funds Information

A comprehensive guide to LV= with profits fund management and performance reports.

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Asset allocation (spread of investment)

We want to make it transparent to our policy holders about where their money is being invested. This page looks at the spread of investment and the break down of the share of our with-profits fund. It also shows the target asset mix and the permitted range for each asset type.

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The spread of investments in the main with-profits fund

This is the spread of investments in the main Liverpool Victoria Friendly Society with-profits fund.

The following table shows the asset mix for policies invested in the main with-profits fund as at 31 December 2003 - 2016.

Assets

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

Equities

50%

48%

50%

51%

49%

49%

56%

59%

56%

60%

62%

65%

62%

62%

Property

9%

11%

9%

8%

8%

8%

13%

15%

16%

15%

15%

15%

15%

15%

Fixed Interest

37%

38%

40%

39%

41%

40%

30%

22%

25%

20%

18%

17%

18%

20%

Cash/Other

4%

3%

1%

2%

2%

3%

1%

4%

3%

5%

5%

3%

5%

3%

The spread of investments as at 31 March 2017, in the main With-Profits Fund

The following table shows the spread of investment in the main Liverpool Victoria Friendly Society Limited with-profits fund, as at 31 March 2017.

Assets

%

UK Equities

28.4%

US Equities

6.5%

European Equities

2.8%

Japanese Equities

1.6%

Asia Pacific Equities

1.0%

Emerging Market Equities

2.0%

UK Gilts

24.5%

Corporate Bonds (Investment Grade)

7.7%

Corporate Bonds (High yield)

4.4%

Property

9.2%

Venture Funds

2.5%

Absolute Return

5.0%

Cash/Other

4.4%

The table below shows the target asset mix and the permitted range for each asset type.

Assets

Benchmark

Permitted Range

UK Equities

28.00%

25.00% to 30.00%

US Equities

7.00%

4.50% to 8.50%

European Equities

2.50%

0.00% to 3.00%

Japanese Equities

1.00%

0.00% to 2.00%

Asia Pacific Equities

0.75%

0.00% to 1.25%

Emerging Market Equities

1.75%

0.00% to 2.50%

UK Gilts

26.00%

10.00% to 40.00%

Corporate Bonds

9.00%

0.00% to 12.00%

Corporate Bonds (High yield)

4.00%

3.50% to 4.50%

Property

9.00%

N/A

Venture Funds

3.00%

N/A

Absolute Return

5.00%

4.90% to 5.10%

Cash/Other

3.00%

0.50% to 20.00%

Where

Total Equities, Property and Venture Funds

58.00%

50.00% to 60.00%

The spread of investments for the LV= With-Profits Income Bond

The following table shows the asset mix for our With-Profits Income Bond as at 31 March 2017. The target asset mix is the same.

Assets

%

Equities

30%

Property

40%

Fixed Interest

30%

The spread of investments for the LV= All-In-1 Investment Bond

The following table shows the asset mix for each of the options available within the All-In-1 Investment Bond, as at 31 March 2017.

Assets

Balanced

Cautious

Growth

Equities

34.0%

9.0%

84.0%

Property

35.0%

10.0%

10.0%

UK Fixed Interest

31.0%

81.0%

6.0%

The spread of investments for the LV= Flexible Guarantee Funds

The following table shows the asset mix for each of the options available within the Flexible Guarantee Bond and Flexible Guarantee Funds, as at 31 March 2017.

Assets

Balanced Series 2

Cautious Series 2

Managed Growth

UK Equities

21.7%

13.0%

30.8%

European Equities

15.6%

9.2%

21.7%

Property

15.6%

10.7%

15.6%

UK Gilts

16.8%

25.0%

10.9%

UK Corporate Bonds

27.2%

39.3%

18.3%

Cash

3.1%

2.8%

2.7%

The tables below show the target asset mix and the permitted range for each asset type in the three fund options.

Balanced Series 2

Assets

Benchmark

Permitted Range

UK Equities

21.0%

16.0% to 26.0%

European Equities

14.0%

9.0% to 19.0%

Property

15.0%

10.0% to 20.0%

UK Gilts

19.0%

12.0% to 58.0%

UK Corporate Bonds

29.0%

0.0% to 36.0%

Cash

2.0%

0.5% to 10.0%

Where

Total Equities

35.0%

25.0% to 45.0%

Total Equities and Property

50.0%

35.0% to 55.0%

Total Bonds

48.0%

38.0% to 58.0%

Cautious Series 2

Assets

Benchmark

Permitted Range

UK Equities

12.0%

7.0% to 17.0%

European Equities

8.0%

3.0% to 13.0%

Property

10.0%

5.0% to 15.0%

UK Gilts

27.0%

17.0% to 78.0%

UK Corporate Bonds

41.0%

0.0% to 49.0%

Cash

2.0%

0.5% to 10.0%

Where

Total Equities

20.0%

10.0% to 30.0%

Total Equities and Property

30.0%

15.0% to 35.0%

Total Bonds

68.0%

58.0% to 78.0%

Managed Growth

Assets

Benchmark

Permitted Range

UK Equities

30.0%

25.0% to 35.0%

European Equities

20.0%

15.0% to 25.0%

Property

15.0%

10.0% to 20.0%

UK Gilts

13.0%

8.0% to 43.0%

UK Corporate Bonds

20.0%

0.0% to 26.5%

Cash

2.0%

0.5% to 10.0%

Where

Total Equities

50.0%

40.0% to 60.0%

Total Equities and Property

65.0%

50.0% to 70.0%

Total Bonds

33.0%

23.0% to 43.0%

You can contact us

You can contact our UK based team for more information:

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LifeServicing@LV.com

Please remember to include your policy number.

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