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New to our Smoothed Managed Fund range?
Combatting volatility – how a blended solution could de-risk your clients’ retirement journeys
This webinar explored the financial markets and our fund positioning, gave an insight into our Smoothed Managed Funds and how they may support clients during periods of uncertainty. As well as the importance of client composure, and introduced our latest blended solution which could de-risk your clients’ retirement journeys through a combination of secure income and smoothed investment. Recorded on and correct as at 28 Feb 2023.
View more like this on our Retirement and Investments video and webinar library.
Speak to our Business Development Team, call 0800 032 8298 or email [email protected] to book an introductory meeting. Please quote your FCA number and postcode.
Reducing risk with smoothed funds
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 volatility investor experience for your risk-sensitive clients – typically those who are in or nearing retirement.
Smoothing – offering more stability for anxious investors
Suited to your risk-averse clients, smoothing helps to iron 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 ‘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
10-year guarantee period only available with the Smoothed Managed Cautious fund across LV= ISA, LV= Smoothed Pension, LV= Smoothed Bond and LV= TIP – helping to further reduce the risk for your clients.
More on guarantees in the product profiles
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.
LV= Smoothed 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 aims to lessen the impact of short-term market volatility on your client's investment using our unique and transparent smoothing mechanism.
LV= Smoothed Pension
With a choice from a range of multi-asset pension funds, your client can grow their money with a reliable, low-volatility 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 long-term steady to moderate growth for at least 5 years or longer.
Our smoothing process doesn’t prevent investments from dropping in value. Smoothing will not prevent losses in longer term falling markets.
Your clients’ investments go down as well as up – they could get back less than invested.
Where a guarantee option is available, your client will need to be aware of the associated terms and charges.
Smoothing can be suspended at our discretion. This may be in exceptional conditions or if the underlying price was 80% or less of the averaged price. If smoothing was suspended the funds may need to be valued using the underlying price. For some funds, we also have discretion to use a daily gradual averaged price with an appropriate smoothing period of up to 26 weeks.
- Full details are contained in the 'CFPPFM for unitised Smoothed Managed Funds business'
- Full details for the LV=ISA are contained in the 'CFPPFM for unitised LV= ISA business'.
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0800 678 18909am - 5pm Mon-Fri
TextDirect: first dial 18001. We will record or monitor calls for training and audit purposes.