Smoothed Managed Funds Trustee Investment Plan (LV= TIP)
The LV= TIP is a plan which invests in our Smoothed Managed Funds. It allows you access to our unique funds as part of your investment strategy in Self-invested Personal Pensions (SIPP) or Small Self-administered Schemes (SSAS).
The LV= TIP is a plan taken out by scheme trustees for the benefit of a designated scheme member.
The funds are 'with-profit' investments, which means you'll get the benefit of the growth in the funds, as well as any additional with-profits member bonuses.
It’s a stock market-related investment, available to UK residents up to and including the age of 84 at outset.
Our Smoothed funds are also available through the LV= Pension wrapper (Flexible Transitions Account). Please speak to your financial adviser to find out more.
Our investments come with 100% protection from the Financial Services Compensation Scheme (FSCS).
What’s unique about our smoothing process?
The simple and transparent smoothing process used on our LV= TIP averages daily fund prices over the past 26 weeks to help protect your investments from the impact of market shocks.
The LV= TIP uses smoothing, a unique averaging method designed to level out the peaks and troughs of the stock market.
When you invest in our smoothed funds, you'll begin to experience the benefits of smoothing from day two of your investment.
Our smoothing process builds up to a 26-week average by cumulatively averaging the daily fund prices (underlying prices) over the time you've been invested.
Once you've invested for longer than 26 weeks, your fund value will be a rolling average of the previous 26 weeks of underlying prices.
The LV= TIP lets you...
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 our Smoothed Managed TIP Cautious Fund you have the option of buying a capital guarantee.
Investing money can be rewarding, but it comes with some risks. Here’s what you need to know:
Important documents, specifically created for you
We've produced some helpful documents to give you even more information about the LV= TIP.
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 to you on www.unbiased.co.uk, or you can have a chat with one of our investment advice specialists.