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ISA Fund options

More information on the ISA fund and the options available

More information

Here's some more information on the LV= ISA:

The aim of the fund

First and foremost, we want to give you a fair return on your investment.

How the fund is managed

The ISA fund is managed by Columbia Threadneedle Investments to meet objectives set by LV=. They are one of the UK’s largest fund managers with over £492 billion assets under management worldwide (Source: www.columbiathreadneedle.co.uk as at 30/06/22).

What the ISA fund is

Our LV= ISA is a unitised with-profits plan which simply means that we use units and unit prices to measure your investments and your plan’s value. All funds are held within Liverpool Victoria Financial Services Limited (LVFS), and we combine your money with other investors’ money and manage it on your behalf. 

This also means that you automatically become a member and will be rewarded for your support of the development and growth of the business. 

Learn more about mutual bonus

What the fund invests in

The range of ISA funds each contain a mix of different investment types, including shares (equities), commercial property and fixed interest investments such as corporate and government bonds.

fund options

Your ISA options explained

A choice of multi-asset, risk-rated fund options to invest in

Extra Cautious Fund

  • This fund option is designed to provide long term steady growth together with a very low level of investment risk.
  • The fund invests, either directly or indirectly, in a diversified portfolio of fixed interest securities, equities, property, cash and other related instruments.
  • The fund aims to avoid sharp rises and falls by averaging the investment return over a rolling 26 week period.

Cautious Fund

  • This fund option is designed to provide long term steady growth together with a low level of investment risk.
  • The fund invests, either directly or indirectly, in a diversified portfolio of fixed interest securities, equities, property, cash and other related instruments.
  • The fund aims to avoid sharp rises and falls by averaging the investment return over a rolling 26 week period.

Balanced Fund

  • This fund option is designed to provide long term moderate growth together with a low to medium level of investment risk.
  • The fund invests, either directly or indirectly, in a diversified portfolio of fixed interest securities, equities, property, cash and other related instruments.
  • The fund aims to avoid sharp rises and falls by averaging the investment return over a rolling 26 week period.

Growth Fund

  • This fund option is designed to provide the long term growth together with a medium level of investment risk.
  • The fund invests, either directly or indirectly, in a diversified portfolio of fixed interest securities, equities, property, cash and other related instruments.
  • The fund aims to avoid sharp rises and falls by averaging the investment return over a rolling 26 week period.

Impact Growth Fund

  • This fund option is designed to provide long term steady and sustainable growth together with a medium level of investment risk.
  • The fund invests, either directly or indirectly, in a diversified portfolio of fixed interest securities, equities, property, cash and other related instruments.
  • The fund aims to avoid sharp rises and falls by averaging the investment return over a rolling 26 week period.

We want to make it transparent to our policyholders where their money is being invested. You can find more information on the benchmark asset allocations for the LV= ISA here.

Optional guarantee

Protect your investment with an optional guarantee

We know it’s vital to feel comfortable with your investment choices. That’s why when you invest in the Cautious Fund you have the option of buying a capital guarantee

  • If you invest in our Cautious Fund you can benefit from an optional 10-year capital guarantee. This can be purchased on initial premiums, when further investments are made, or on the expiry of a previous guarantee.
  • This additional security can be particularly useful if you wish to preserve your investments and are worried about market downturns.
  • Your guarantee means that at the end of the term, your ISA’s value will be at least the value on the start date minus any withdrawals, on-going and ad hoc adviser charges. Naturally, if your ISA is worth more than the guaranteed amount you’ll get the extra as well.

Smoothing

How smoothing your investments works

  • Smoothing is a unique method designed to level out the peaks and troughs of the stock market.
  • The value of your investment is based on the average daily unit prices over the preceding 26 weeks. It’s a process designed to give you a more stable return on your investment. Please note that smoothing can be suspended at our discretion in extreme circumstances.

Next steps

To help you get the most from your money please contact your financial adviser

If you do not have a financial adviser, you can speak to one of our investment advice specialists.
Note: The information given in these pages should not be seen as advice to take out this product.