LV= ISA:
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Servicing
Offering a key solution to your client's retirement plans
Our stocks and shares ISA offers the right balance of risk and reward. By delivering a smoother investment journey, the LV=ISA helps to reduce the impact of short term volatility on your client's investments.
Ideally suited to risk sensitive investors, there are many great reasons to invest with our ISA:
- Choice of global multi-asset funds. Managed by Columbia Threadneedle Investments within our governance framework and oversight.
- Smoothed returns. Our unique smoothing mechanism uses a transparent 26-week historic average of the daily fund price, to help reduce the day-to-day volatility of investments.
- Capital preservation. Lock-in fund value with the optional 10-year capital guarantee. Your clients can add to their investments at outset, or when a previous guarantee expires. 10-year guarantee periods only available with Smoothed Managed Cautious fund.
- Risk-rated funds. Our funds are risk-rated by multiple agencies.
- Simple on-boarding process. No signatures, automated ID checks. Benefit from a simple online quote and apply process.
- Online valuations. Check your client's investment value in just a few clicks with our online valuation tool.
- It's a with-profits investment. Your client's investments may go down as well as up, and they could get back less than invested.
Product profile
With details on risks, eligibility and costs, our product profile details key information on our ISA.- This is a stock and shares ISA.
- Whilst there is no minimum or fixed term, our ISA is designed to provide steady growth for a period of at least five years and ideally longer.
- If clients select the ISA Cautious Fund and wish to take out a guarantee, they will need to be aware of our associated terms and charges.
- By investing in the LV= ISA, your client’s investment is 100% protected under the Financial Services Compensation Scheme with no upper limit.
- Client's investments may go down as well as up, and 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 will be valued using the underlying price.
Who is the LV= ISA for?
Our ISA is designed for the needs of every day clients. We believe it best suits the following types of client who:
- Are 30 to 70 year olds with lump sums to invest.
- Are likely to be nearing or in retirement with a decreasing capacity for loss.
- Want to optimise their growth with minimal risk.
- Have built substantial ISA portfolios over time.
- Are looking for a low volatility experience.
Learn more about client suitability in our client profile guide.
Getting more from your clients
We want your clients to live confidently. That’s why we give our members more with their LV= ISA.
As an investor in our ISA, your client automatically becomes a member. This means they can get access to exclusive member benefits and additional support services.
- Putting your client’s interest first. As a mutual, we’re owned by our members. We put the interests of your clients first, rather than those of external shareholders.
- Member benefits. We offer benefits to certain with-profits members – your LV= ISA clients are eligible.
Potential investment boost with our mutual bonus after the first year. When we do well, we are able to reward and recognise eligible members for their support in the development and growth of our business through a mutual bonus*. At the moment, we do this by increasing the value of eligible with-profits policies by a percentage. We’ve awarded £265 million to eligible members’ policies since we introduced the mutual bonus in 2011.
*The decision to give a mutual bonus is at the sole discretion of our board of directors. We can’t guarantee that we’ll be able to announce a mutual bonus every year, as it will depend on our future trading profits, financial strength and our decisions on how we wish to reward our members. We can take mutual bonus away in exceptional circumstances, for example if it were required to protect our financial strength. More on mutual bonus
LV= Smoothed Bond
Our LV= Smoothed Bond offers a unique mechanism designed to smooth the impact of market volatility on your onshore investment.
LV= TIP
Help minimise the impact of market shocks and increase the availability of our smoothed funds for pension investors. Your clients can access our unique funds via other providers’ SIPPs and SSASs.
LV= Smoothed Pension
Grow your client's pension fund with a reliable investor experience with low volatility.
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