LV= Junior ISA Portfolio

Name: Here's what you need to know about the LV= Junior ISA Portfolio
Brand: LV=

Here's what you need to know about the LV= Junior ISA Portfolio

Overview

The LV= Junior ISA Portfolio* gives you flexibility and choice to help you save for your child’s future. With access to our unique Smoothed Managed Funds; it can provide a smoothed journey and help cushion investments from the ups and downs of the stock market.

*The LV= Junior ISA Portfolio will be coming soon to LV= Platform Services.

Key features

Key features of the Junior ISA Portfolio

The Junior ISA Portfolio provides access to a wide range of investments that have the potential to provide capital growth, with favourable tax allowances.
Access to our unique range of Smoothed Managed Funds, designed to reduce the impact of market ups and downs.
Around 5,000 Mutual Funds available from around 100 fund managers, as well as a wide range of other investment options including solutions developed by leading Investment Managers.
See how your Junior ISA Portfolio is doing through our customer portal, My LV=.
Transfer in from another stocks & shares JISA or cash JISA.

Important information

Investing money can be rewarding, but it comes with some risks. Here's what you need to know:

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These are stock market-related investments, the value of your investment may go down as well as up so you could get back less than you paid in.
The charges we take for administering the Junior ISA Portfolio will affect the value of the Junior ISA Portfolio.
If you decide to leave your financial adviser and do not appoint another one, your options to manage the Junior ISA Portfolio may become restricted.

Withdrawals cannot be made from the Junior ISA Portfolio until your child reaches 18 and opens an ISA Portfolio.
Embark Investment Services Ltd is the ISA Manager for the LV= Junior ISA Portfolio.

The information on this page should not been seen as advice to take out this product, please speak to a suitably qualified financial adviser before making any investment decision based upon this, or any other information.

Investing in the LV= Smoothed Managed Funds ISA

Designed to grow your money while providing you with a smoother investor experience.
Our unique smoothing process is designed to help level out the peaks and troughs of stock market investments.
Choose from a range of funds to invest in, with the help of your financial adviser.
You can use it as a standalone investment, or alongside other investments in a bigger portfolio.
You will gain access to LV= Member Benefits, such as LV= Doctor Services and discounts on LV= general insurance products.*

*General insurance products are offered by Liverpool Victoria General Insurance group, a subsidiary of Allianz Holdings plc.

Understand our unique smoothing process

View video transcript

Are you looking for an investment option that aims to grow your fund while providing a calmer experience?

Our Smoothed Managed Funds have a built-in smoothing mechanism to help provide you with a calmer investment journey by using fund price averaging to smooth out the traditional peaks and troughs of stock market investing.

The LV= Smoothed Managed Fund range uses a unique averaging mechanism called ‘smoothing’. Here’s how it works.

On day one, your money is invested into your chosen fund(s) at the fund’s underlying unit price.

On day 2 the daily underlying unit prices for day 1 and day 2 are added together and divided by 2.

On day 3 the daily underlying unit price for all 3 days are added together and divided by 3, and so on. This process continues up to 26 weeks.

Once you’ve been invested for 26 weeks, your investment value will be a rolling 26 week average of daily underlying fund prices.

This means if markets are growing, you may see smoothed prices increasing at a slower rate than prices of unsmoothed funds. But, if markets are falling or fluctuating, you won’t see the same sudden changes in value as you would in an unsmoothed fund.

The smoothing mechanism will help to cushion the impact of daily market fluctuations, so you experience a calmer investment journey.

You may find this valuable if you’re nearing retirement, you’re already taking a retirement income, or simply looking to reduce the impact of stock market volatility on your investments.

Our robust smoothing mechanism has allowed our members to experience calmer investment journeys since it was first launched in 2006.

It has remained stable even through the financial crisis of 2008 and the Coronavirus pandemic in 2020.

LV’s smoothed funds are designed to help to reduce the stress and worry that can come with stock market investing.

Speak to your financial adviser to discuss how LV=’s Smoothed Managed Funds could be right for you.

Capital at risk. Past performance is not a reliable indicator of future returns.

Smoothing can be suspended at our discretion. This may be in exceptional conditions or if the underlying price was typically 80% or less of the averaged price. If smoothing was suspended the funds may need to be valued using the underlying price. The LV= ISA will always be valued on the underlying price at this time. We also have discretion to use a daily gradual averaged price with an appropriate smoothing period of up to 26 weeks.

For more information on our smoothing mechanism, download our fund guides or visit LV.com/investments

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Documents

Important documents, specifically created for you

Here you can find documents related to our Junior ISA Portfolio, it's important you read and understand them.

View all of our useful documents and guides

Other ISA options

LV= ISA Portfolio

A flexible stocks & shares ISA to help you achieve your saving and retirement goals with access to our unique range of Smoothed Managed Funds to help reduce the stress and shocks of stock market investments.

LV= Pension Portfolio

General Investment Account

Next steps

Getting the most from your money

To help you get the most from your money, you can speak to a financial adviser. If you don't have a financial adviser you can find one near you on unbiased.co.uk, or you can have a chat with one of our investment advice specialists.

Please note that the information given on these pages should not be seen as advice to take out this product.