LV= Pension Portfolio

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


LV= Pension Portfolio

The LV= Pension Portfolio and the LV= Junior Pension Portfolio give you the flexibility and choice to plan and save for your (or your child's) retirement. With access to our unique Smoothed Managed Funds, it can provide a smoothed journey and help cushion your investments from the ups and downs of the stock market.

Key features

Key features of the Pension Portfolio

  • Provides access to a wide range of investments that help to build your retirement savings.
  • Access to our unique range of multi-asset Smoothed Management 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.
  • A full range of drawdown options available when you come to taking your Pension (at least aged 55), including accessing your tax-free cash.
  • See how your Pension Portfolio is performing through our customer portal, My LV=.

Important information

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

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  • Embark Investments Services Limited is the platform provider for the LV= Pension Portfolio and LV= Junior Pension Portfolio. 
  • These are stock market-related investments, available to UK residents.
  • The value of your investment may go down as well as up, so you could get back less than you paid in. 
  • Your retirement income may be less than you expect if investment growth over the lifetime of the Pension Portfolio, or annuity rates at the time you take your benefits, or both, are lower than expected.  
  • Your retirement income may be less than you expect if you reduce, or stop payments into your Pension Portfolio. 
  • The charges we take for administering your Pension Portfolio will affect the value of your Pension Portfolio. 
  • If you decide to leave your financial adviser and do not appoint another one, your options to manage the Pension Portfolio may become restricted. 
  • Over time, inflation will reduce the buying power of the money you have saved. 
  • Your Pension Portfolio value may not be enough to provide the level of income you need for as long as you need it, in instances where you take an income higher than planned. 
  • The income you take from your Pension Portfolio may be subject to Income Tax and may affect any means tested benefits you might receive.  

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 Pension

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

Understand our unique smoothing process

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Next steps

Getting the most from your money

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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, 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.