All-In-1 Investment Bond and Guaranteed Capital Bond fund management and performance

Report overview

Before we get started...

This information does not constitute investment advice and we recommend that you speak to a suitably qualified financial adviser before making any investment decision based upon this, or any other information.

Unit price and performance of each fund option available

Your individual statement will show you the number of units, the unit price, the value of your bond and the fund option in which you are invested at your bond’s last anniversary. Find the current unit price of your bond. This information should be read alongside your Policy Conditions and Key Features document. You need to be aware that in each fund option your investment can go down as well as up. The higher the amount invested in equities, the more frequently this will happen and the more significant the changes in value are likely to be.

Cautious fund

This fund option is designed to provide modest growth with a lower chance of losing money than the Balanced and Growth fund options. It invests mostly in fixed interest investments with the balance in property and equities. This is the lowest risk fund option under this bond and therefore offers the lowest growth potential.

Unit Price Date	Unit Price*	Growth (%) for the 12 months to the date shown	Total percentage growth from 4 November 2005 (launch) to 31 December 2020
31 December 2020	225.1p	4.0%	125.1%
31 December 2019	216.5p	8.1%
31 December 2018	200.3p	1.9%
31 December 2017	196.5p	1.5%
31 December 2016	193.6p	9.4%
31 December 2015	176.9p	7.3%
31 December 2014	164.9p	7.4%
31 December 2013	153.6p	1.5%

Unit Price Date	Unit Price*	Growth (%) for the 12 months to the date shown	Total percentage growth from 4 November 2005 (launch) to 31 December 2020
31 December 2020	225.1p	4.0%	125.1%
31 December 2019	216.5p	8.1%
31 December 2018	200.3p	1.9%
31 December 2017	196.5p	1.5%
31 December 2016	193.6p	9.4%
31 December 2015	176.9p	7.3%
31 December 2014	164.9p	7.4%
31 December 2013	153.6p	1.5%

Please remember that past performance doesn’t reflect what will happen in the future. The value of your investment can go down as well as up.

*The unit price quoted is the Averaged Price.

The percentage growth from launch is based on the Underlying Price at launch and the Averaged Price at 31 December 2019.
Please see your annual statement and policy documentation for an explanation of the Averaged and Underlying Prices and how they are used.

Please note: Product charges are paid by the cancellation of units rather than reflected in the unit price. Past performance is not a reliable guide to future performance.

Balanced fund

This fund option is designed to provide the potential for modest growth without exposure to undue risk. It invests broadly in equal amounts of equities, fixed interest investments and property. This is the middle risk fund option and is higher risk than the Cautious fund option and lower risk than the Growth fund option.

Unit Price Date	Unit Price*	Growth (%) for the 12 months to the date shown	Total percentage growth from 4 November 2005 (launch) to 31 December 2020
31 December 2020	253.1p	-1.9%
31 December 2019	257.9p	2.1%	153.1%
31 December 2018	252.5p	3.9%
31 December 2017	243.1p	6.9%
31 December 2016	227.4p	9.3%
31 December 2015	208.1p	13.7%
31 December 2014	183.0p	12.8%
31 December 2013	162.3p	11.0%

Unit Price Date	Unit Price*	Growth (%) for the 12 months to the date shown	Total percentage growth from 4 November 2005 (launch) to 31 December 2020
31 December 2020	253.1p	-1.9%
31 December 2019	257.9p	2.1%	153.1%
31 December 2018	252.5p	3.9%
31 December 2017	243.1p	6.9%
31 December 2016	227.4p	9.3%
31 December 2015	208.1p	13.7%
31 December 2014	183.0p	12.8%
31 December 2013	162.3p	11.0%

Please remember that past performance doesn’t reflect what will happen in the future. The value of your investment can go down as well as up.

*The unit price quoted is the Averaged Price.
The percentage growth from launch is based on the Underlying Price at launch and the Averaged Price at 31 December 2019.

Please see your annual statement and policy documentation for an explanation of the Averaged and Underlying Prices and how they are used.

Please note: Product charges are paid by the cancellation of units rather than reflected in the unit price. Past performance is not a reliable guide to future performance.

Growth fund

This fund option is designed to provide the potential for the highest level of capital growth of the three fund options but with an increased risk to capital. This fund option invests mostly in equities with the balance invested in property and fixed interest investments. This is the highest risk fund option and offers the highest growth potential.

Unit Price Date	Unit Price*	Growth (%) for the 12 months to the date shown	Total percentage growth from 4 November 2005 (launch) to 31 December 2020
31 December 2020	294.7p	4.6%
31 December 2019	281.7p	4.8%
31 December 2018	268.7p	3.7%	194.7%
31 December 2017	259.0p	12.4%
31 December 2016	230.4p	12.4%
31 December 2015	205.0p	8.0%
31 December 2014	189.9p	8.3%
31 December 2013	175.3p	18.8%

Unit Price Date	Unit Price*	Growth (%) for the 12 months to the date shown	Total percentage growth from 4 November 2005 (launch) to 31 December 2020
31 December 2020	294.7p	4.6%
31 December 2019	281.7p	4.8%
31 December 2018	268.7p	3.7%	194.7%
31 December 2017	259.0p	12.4%
31 December 2016	230.4p	12.4%
31 December 2015	205.0p	8.0%
31 December 2014	189.9p	8.3%
31 December 2013	175.3p	18.8%

Columbia Threadneedle Investments

Since 1 November 2011 the asset management of our funds has been undertaken on our behalf by Columbia Threadneedle Investments. Columbia Threadneedle is responsible for the day to day management of the assets within investment guidelines set by LV=.
Columbia Threadneedle is a leading international investment manager that manages £385bn of assets (as at 30 June 2020), investing on behalf of individuals, pension funds, insurers and corporations. Columbia Threadneedle is the global asset management group of Ameriprise Financial, a leading US-based financial services provider. Columbia Threadneedle’s website address is columbiathreadneedle.co.uk.