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With-Profits Funds Information

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

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LVFS With-Profits Fund – Regular Bonus Declaration

The regular bonus rates added to the with-profits policies invested in the with-profits fund are set in March each year (though unitised with-profits regular bonus rates can also be reviewed between annual declarations).

The regular bonus rates declared in March 2018* are shown below.


Regular Bonus Declared March 2018*

With Profits Pension Annuity– Series 1 & 2


With Profits Pension Annuity– Series 3 & 4
(entry years 2007-2011)


Tax Free Savings Plan


With Profits Growth Bond, With Profits Investment Bond, Bank of Ireland Group / Liverpool Victoria With Profits Bond, MAX


With Profits Retirement Plan, Top Up Company Pension Plan, Flexible Personal Pension Plan


With Profits Life ISA


Flexible Savings Plan – Series 2, Flexible Savings Plan – Series 1, Regular Savings Plan, Mutual Investment Bond, Flexible Investment Bond, Family & Legacy Fund, Mortgage Savings Plan


With Profits Income Bond


Flexible Whole Life Plan


Appropriate Personal Pension policies


Industrial Branch Life policies


Ordinary Branch Life policies


Ordinary Branch Pension policies


* The rates are effective from 1 March 2018, except for With Profits Pension Annuity where the rates are applied at policy anniversaries from 1 February 2018. The regular bonus rates declared for Industrial and Ordinary Branch policies are in respect of calendar year 2017.

The Declared Investment Return for the Pension Income Plus Annuity (PIPA) product can be seen here.

Further details of how LV= manages its with-profits business can be found in its Principles and Practices of Financial Management. The current version can be seen here.

It is important to remember that past performance is not a guarantee of future returns as these depend on bonuses yet to be declared.

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