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Smoothed Investments:
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New to our Smoothed Managed Fund range?
Centralised De-Risking Proposition - learn why you need one and how LV= can help by watching our video
In this webinar we will explore the difficulties facing clients, especially those in late stage accumulation and early decumulation, and we’ll present the case for why advisers should look to adopt a robust Centralised De-Risking process for clients in these critical years.
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.
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Introducing our new LV= Smoothed Bond
In this webinar we detail the benefits of the LV= Smoothed Bond and how it can help you and your clients. We are joined by Adam Ruddle, Senior Investment Manager at LV=, for an in-depth market and fund performance, and Strategic Asset Allocation update. Please note, this session was recorded on 10 June, and information is correct as at that date.
View more like this on our Retirement and Investments video and webinar library
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 protects your clients’ investments 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.
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. 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 document 'Your guide to how we manage our unitised with-profits Smoothed Managed Funds business'.
Where a guarantee option is available, your client will need to be aware of the associated terms and charges.
Let's talk
0800 678 18909am - 5pm Mon-Fri
TextDirect: first dial 18001. We will record or monitor calls for training and audit purposes.