Flexible Guarantee Fund:


Supporting safer pension investments

Our Flexible Guarantee Fund offer a range of three multi-asset pension funds that aims to grow your client's money with a reliable, low volatile investor experience. 

Specially designed to suit risk-sensitive clients, our smoothed pension funds offer a safer investment solution – during the accumulation process and while taking drawdown income.
  • Take away the worry of day-to-day investing. Our funds come with an in-built smoothing mechanism – averaging fund prices over the previous 26 weeks to reduce the impact of market volatility on your client's investments. It’s simple, transparent and easy to explain to your clients – read more about smoothing.
  • Help make better-informed decisions. Funds are risk-managed to maintain 3, 4 and 5 risk-ratings from Defaqto and Distribution Technology. Smoothed funds are available through a pension, bond and LV= ISA – read more about our Smoothed Managed Funds range.
  • Benefit from expert fund management. Flexible Guarantee Funds are managed to our exacting mandate by Columbia Threadneedle Investments – read more about fund management.
  • Flexible guarantees offer peace of mind. Start, stop or renew them at any time. 

6 reasons to use LV= Flexible Guarantee Funds

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Low impact charges

With charges from as little as 0.875% for smoothed investments, protection against market volatility and downside risk, our Flexible Guarantee Funds are well-suited to risk-sensitive investors.
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Investment boost

We all benefit from a financial boost. And your clients’ will too. We’re owned by our 1.3million members – as we do well, after the first 12 months we award a mutual bonus to our members. 

5-star rated

We’re rated 5-star for our LV= Pension 
Flexible Transitions Account) by leading market analysts Moneyfacts. So you can be confident you’re choosing a quality pension wrapper for your clients.

Added value to your advice process

We’re here to help you, help clients - make the most of our suitability wording tool and Funds Centre to support the advice and recommendations you’re offering.

Quick transfer times

Our online quote and apply system gets your cases through faster –with no need for client signatures or automated ID checks. Set up your client’s plan easily, with complete security and efficiency thanks to full Origo Options Transfer Service integration.

Giving your clients a confident retirement

Your clients will get access to a range of value-added benefits, including  LV= Doctor Services, (worth £1,000 a year depending on services used), 24/7 access to a confidential member helpline and member discounts on LV= general insurance products.

Flexible Guarantee Bond

Protect your clients’ funds with three flexible options – making investments secure and simple. 


Offer a smoother investment journey with a simple on-boarding process – while protecting your clients’ investments from short-term market volatility.

LV= Pension (Flexible Transitions Account)

Easily recommend and manage LV= retirement income products, all in one place.
Contact Phone

Let's talk

0800 085 0250

9am - 5.30pm Mon-Fri

TextDirect: first dial 18001. We will record or monitor calls for training and auditing.