LV= TIP FUND Options

LV= TIP fund options

Overview

Here's some information about the Smoothed Managed Funds available through the LV= TIP

Plant, toy, and a piggy bank

What is the 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 funds are 'non-profit' investments, which means you'll get the benefit of the growth in the funds, but we won't add any additional bonuses like we do for with-profits.

We're passionate about providing you with a fair return on your investment and prioritise customer outcomes when we make investment decisions.

How are the funds managed?

We manage the Smoothed Managed Funds in partnership with Columbia Threadneedle Investments, who are one of the UK's largest fund managers with over £430bn* in assets under management.

We work together to maximise the funds' potential for growth while maintaining a consistent level of investment risk.

*Source: www.columbiathreadneedle.co.uk as at 30/06/2021*

LV= TIP Fund Options

A choice of three fund options designed to suit different attitudes to risk

LV= Smoothed Managed TIP 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. It builds up to this from day two of your investment.

LV= Smoothed Managed TIP 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. It builds up to this from day two of your investment.

LV= Smoothed Managed TIP 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. It builds up to this from day two of your investment.

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 our Smoothed Managed TIP Cautious Fund you have the option of buying a capital guarantee

  • If you invest in our Smoothed Managed TIP Cautious Fund you can benefit from an optional 10-year capital guarantee. This can be purchased when you first invest, 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 you're worried about market downturns.
  • Your guarantee means that at the end of the term, your fund's value will be at least the value on the start date minus any withdrawals, ongoing and ad-hoc adviser charges. Naturally, if your fund is worth more than the guaranteed amount you’ll get the extra as well.

Understanding the asset mix of your fund

We believe it’s important to help you understand where your money is being invested. The table below shows the spread of investment and the breakdown of each smoothed fund.

The spread of investments for our LV= Smoothed Managed Funds as at 30 June 2021
Assets Cautious Balanced Growth 
UK Equity
7.0% 11.0% 14.0%
US Equity
7.0% 11.0% 14.0%
European Equity
3.3% 5.5% 7.0%
Asia Equity ex Japan
3.3% 5.5% 7.0%
Japan Equity
2.0% 3.5% 4.0%
Emerging Market Equity 3.3% 5.5% 7.0%
Property
3.0% 5.0% 7.0%
UK Gilts
14.0% 10.0% 6.5%
US Treasuries
7.3% 5.0% 3.5%
UK Corporate Bonds
19.0% 13.0% 9.0%
Overseas Corporate Bonds
19.0% 13.0% 9.0%
High Yield Corporate Bonds
7.0% 5.0% 3.0%
Cash
2.0% 2.0% 2.0%
Dynamic Real Return
3.0% 5.0% 7.0%

Total Equities and Property 30.3% 49.5% 63.5%
Assets Cautious Balanced Growth 
UK Equity
7.0% 11.0% 14.0%
US Equity
7.0% 11.0% 14.0%
European Equity
3.3% 5.5% 7.0%
Asia Equity ex Japan
3.3% 5.5% 7.0%
Japan Equity
2.0% 3.5% 4.0%
Emerging Market Equity 3.3% 5.5% 7.0%
Property
3.0% 5.0% 7.0%
UK Gilts
14.0% 10.0% 6.5%
US Treasuries
7.3% 5.0% 3.5%
UK Corporate Bonds
19.0% 13.0% 9.0%
Overseas Corporate Bonds
19.0% 13.0% 9.0%
High Yield Corporate Bonds
7.0% 5.0% 3.0%
Cash
2.0% 2.0% 2.0%
Dynamic Real Return
3.0% 5.0% 7.0%

Total Equities and Property 30.3% 49.5% 63.5%

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 to 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.