Our Smoothed Managed Funds have a track record of performing as they should during difficult market conditions. During the heightened market volatility in early 2020, our funds continued to function normally – with no unexpected price adjustments.
With a range of multi-asset, risk-rated options, our funds have been designed to deliver a low volatile investor experience for your risk-sensitive clients – typically those who are in or nearing retirement.
Smoothed Investments:
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Servicing
Reducing risk with smoothed funds
Smoothing – offering more stability for anxious investors
Suited to your risk-averse clients, smoothing irons out the highs and lows of the market. The result: a smoothed average fund price.
Learn more about smoothing
Fund management
Our Smoothed Managed Funds are multi-asset and risk-rated to specifically appeal to clients with a ‘very low’ to ‘low-medium’ attitude to investment risk. They are managed to our exacting mandate by Columbia Threadneedle Investments.
More on fund management
Optional guarantees to reduce risk
Guarantee options, availability and terms differ by product (LV= ISA, Flexible Guarantee Funds, Flexible Guarantee Bond and LV= TIP) – all helping to further reduce the risk for your clients.
More on guarantees in the product profilesBeware of the cliff edge: how LV='s smoothed funds protect your clients from extreme volatility
Explore how our investment strategy and unique smoothing process make our Smoothed Managed Funds uniquely stable versus others in the sector.
3 November 2020
Smoothed Managed Funds Trustee Investment Plan (LV= TIP)
The LV= TIP increases the availability of our smoothed funds for pension investors, allowing clients to access our three unique funds via other providers' SIPPs and SSASs.The funds help minimise the impact of market shocks and work effectively as a standalone investment or as part of a larger portfolio.
Defaqto Due Diligence Report
We commissioned Defaqto to carry out a due diligence review of our Smoothed Managed Funds to offer an independent view of the funds’ key features and investment processes.
This report takes the format of 10 key questions you might consider when assessing suitability.
Smooth investments, delivered through 4 product options
LV= TIP
The Smoothed Managed Funds Trustee Investment Plan (LV= TIP) provides access to our smoothed funds as part of your client's SIPP or SSAS.
Flexible Guarantee Bond
The onshore investment has unique features to shield your clients’ funds from market volatility – offering a secure and tactical investment.
LV= ISA
Our stocks and shares ISA protects your clients’ investments using our unique and transparent smoothing mechanism.
Flexible Guarantee Funds
With a choice of three multi-asset pension funds, your client can grow their money with a reliable, low-volatile investor experience.Important information
As with any investment, there are some important things you need to know about our Smoothed Managed Fund range:The funds within our Smoothed Managed Fund range are designed to provide steady long-term growth for at least 5 years or longer.
In exceptional market conditions (when the underlying price is 80% or less of the averaged/'smoothed' price), the fund will be valued on the underlying price. We also reserve the right to do this at other times.
Our smoothing process doesn’t prevent investments from dropping in value. Smoothing will not prevent losses in longer term falling markets.
Where a guarantee option is available, your client will need to be aware of the associated terms and charges.
Your clients’ investments go down as well as up – they could get back less than invested.
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0800 678 18909:00am - 5:00pm Mon-Fri TextDirect: first dial 18001.
TextDirect: first dial 18001. We will record or monitor calls for training and audit purposes.