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ISA Asset allocation

Asset allocation (spread of investment)

We want to make it transparent to our policyholders where their money is being invested. This page looks at the target asset mix and the permitted (benchmark) range for each asset type within the ISA fund. 

This table outlines the benchmark asset allocations for the LV= ISA. Actual allocations will differ within a range permitted by our investment mandates.

Assets Extra Cautious Cautious Balanced Growth  Impact Growth 
UK Gilts 13.0% 10.0% 8.0% 5.0% 3.5%
US Treasuries 13.0% 10.0% 8.0% 5.0% 3.5%
UK Corporate Bonds 18.0% 16.0% 10.0% 8.0% 7.0%
DM Corporate Bonds 18.0% 16.0% 10.0% 8.0% 7.0%
High Yield Bonds 5.0% 7.5% 6.5% 4.0% 7.0%
UK Equities 1.5% 4.0% 7.0% 10.0% -
US Equities 2.0% 4.0% 7.0% 10.0% -
European Equities 3.0% 4.0% 7.0% 9.0% -
Japanese Equities 2.5% 3.0% 5.0% 3.5% -
APAX ex Japan Equities - 4.0% 6.0% 7.5% 10.0%
EM Equities - 4.0% 6.0% 7.5% 10.0%
UK Sustainable 1.0% 1.5% 2.5% 3.0% 10.0%
Global Sustainable 1.0% 1.5% 2.5% 3.0% 10.0%
Global Equity ESG fund - - - - 25.0%
Cash 5.0% 2.0% 2.0% 2.0% 2.0%
Dynamic Real Return 10.0% 7.5% 7.5% 7.5% -
Property 7.0% 5.0% 5.0% 7.0% 5.0%
Total Equities and Property 23.0% 34.8% 51.8% 64.3% 70.0%
Assets Extra Cautious Cautious Balanced Growth  Impact Growth 
UK Gilts 13.0% 10.0% 8.0% 5.0% 3.5%
US Treasuries 13.0% 10.0% 8.0% 5.0% 3.5%
UK Corporate Bonds 18.0% 16.0% 10.0% 8.0% 7.0%
DM Corporate Bonds 18.0% 16.0% 10.0% 8.0% 7.0%
High Yield Bonds 5.0% 7.5% 6.5% 4.0% 7.0%
UK Equities 1.5% 4.0% 7.0% 10.0% -
US Equities 2.0% 4.0% 7.0% 10.0% -
European Equities 3.0% 4.0% 7.0% 9.0% -
Japanese Equities 2.5% 3.0% 5.0% 3.5% -
APAX ex Japan Equities - 4.0% 6.0% 7.5% 10.0%
EM Equities - 4.0% 6.0% 7.5% 10.0%
UK Sustainable 1.0% 1.5% 2.5% 3.0% 10.0%
Global Sustainable 1.0% 1.5% 2.5% 3.0% 10.0%
Global Equity ESG fund - - - - 25.0%
Cash 5.0% 2.0% 2.0% 2.0% 2.0%
Dynamic Real Return 10.0% 7.5% 7.5% 7.5% -
Property 7.0% 5.0% 5.0% 7.0% 5.0%
Total Equities and Property 23.0% 34.8% 51.8% 64.3% 70.0%