Offering a key solution to your clients’ retirement plans

Our stocks and shares ISA offers the right balance of risk and reward. By delivering a smoother investment journey, your client will find protection from shorter term market volatility.

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.
  • Risk-rated funds. Our funds are risk-rated by multiple agencies.
  • Simple on-boarding process. No signatures, no 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.

Product profile

With details on risks, eligibility and costs, our product profile details key information on our ISA.

Important information

Helping your client invest their money is hugely rewarding, but as with any investment, there are some important things you need to know about our ISA:
  • This is a stock and shares ISA.
  • Clients will not be eligible to participate in any of our distributions available to with-profits policyholders. For example, they will not be eligible to receive a mutual bonus.
  • 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.
  • This is a non-profit plan which invests in our unit-linked ISA funds.
  • Clients’ investments may go down as well as up, and they could get back less than invested.
  • Our smoothing mechanism doesn’t mean investments won’t drop in value. Smoothing will not prevent losses in longer term falling markets.
  • In exceptional market conditions (when the underlying price is 80% of the averaged/'smoothed' price) the fund will be valued on the underlying price. We also reserve the right to do this at other times.
ISA  questions form document

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.

LV= Smoothed Bond

Protect your clients’ funds with an onshore investment bond that offers a unique mechanism designed to smooth the impact of market volatility.

LV= TIPHelp 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 clients’ pension fund with a reliable investor experience with low volatility.
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