Fund management:

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How are our funds managed?

As of April 2024, our funds are managed in partnership with BlackRock, a leading provider of investment, advisory and risk management solutions and one of the world’s largest asset managers with $10trn* of assets managed globally alongside our specialist in-house investment team. 

Since its founding in 1988, BlackRock has consistently invested to create a globally diverse investment platform with index and active funds, across equities, fixed income, multi-asset, alternative and cash strategies and deep global capital markets expertise.

*Source: BlackRock as at January 2024

How does our partnership work?

  • Our responsibility - Although we outsource the asset management behind the Smoothed Managed Funds, the responsibility for producing strong risk-adjusted investment returns for policyholders rests with LV=. 
  • In-house expertise - Our investment team design the investment strategy and oversee performance of the Smoothed Managed Funds. We ensure that the funds are managed in line with our investment objectives and seek the best outcomes for our members.
  • Meeting our expectations - We regularly review the funds’ strategic asset allocations and stock selections with the fund managers to ensure that performance and risk-management align with our expectations. 

What are the benefits to you?

  • Breadth of capability, depth of resource - The diversity of BlackRock’s platform across asset classes, investment styles and regions, positions them to partner with LV= through market cycles and deliver whole-portfolio solutions to meet our member's evolving needs.
  • Robust, disciplined investment processes and controlled risk - BlackRock delivers strong investment performance and risk management across an unparalleled breadth and depth of world class investment capabilities with a proven track record of delivering repeatable performance over the long term.
  • Fund choice and retirement and savings industry insight - BlackRock bring access to top-rated flagship funds (as rated by external rating agencies) to the proposition as well as access to their insights and global retirement experience and world class research processes.
  • Responsible investing - As a member of the United Nations backed Principles for Responsible Investment (UNPRI), responsible investment and ESG considerations are integrated into BlackRock’s investment capability.

Risk ratings

Our funds have been risk-rated by multiple agencies. The independent ratings allow you to identify investment suitability by confidently matching the fund choice to your client's risk profile. For more information visit our risk ratings page.

AKBreport-B-rating-logo-LV-Ltd

We’ve been providing financial stability to customers since 1843 and were awarded a B rating for financial strength in AKG’s November 2023 report.

Our Smoothed Managed Funds are accessible through four product options

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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.
More on LV= TIP
LV= Smoothed Bond The onshore investment has unique features to help reduce the impact of short term market volatility.
More on LV= Smoothed Bond
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LV= ISAWith a simple on-boarding process and smoother investment journey, the LV= ISA helps to reduce the impact of short term market volatility on your client's investments.
More on LV= ISA
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LV= Smoothed Pension

Our LV= Smoothed Pension is accessible as a pension investment through the LV= Flexible Transitions Account.

More on our Pension Funds

Our on-platform solutions

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LV= ISA Portfolio (available via LV= Platform Services)

A stocks and shares ISA that offers consolidation of current and previous year's ISAs into one tax efficient environment with full flexibility on withdrawals. 
More on LV= ISA Portfolio
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LV= Pension Portfolio (available via LV= Platform Services)

Offering flexibility for the most simple or sophisticated requirements to meet changing needs into and through retirement.
More on LV= Pension Portfolio

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