LV= Smoothed Bond:

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Main features

We’re here to help you grow your clients’ savings, and with our Smoothed Managed Funds Bond you can make the most of its unique features to do just that. It’s an onshore investment option with a range of fund options managed to our mandate in partnership with BlackRock.

Designed to provide long-term steady to moderate growth, with very low to medium level risk investment, the main features of our Smoothed Bond include:

  • An in-built smoothing mechanism – uses fund price averaging to reduce the impact of market volatility on your clients’ investments.
  • Our Savings and Retirement Adviser Portal allows you to quote and apply, as well as check the value of your client’s investment in just a few clicks. Login to the portal.
  • Funds are independently risk-rated by multiple agencies.
  • Optional capital guarantee available – lock-in fund value for a fixed 10-year term, helping reduce downside risk. 10-year guarantee periods only available with Smoothed Managed Cautious fund.
  • It's a with-profits whole of life investment bond. Your client’s investments may go down as well as up, and they could get back less than invested.
  • Whilst there is no minimum or fixed term, our bond is designed to provide steady growth for a period of at least five years and ideally longer.

Product profile

Your clients will benefit from our Smoothed Managed Funds Bond at any stage of their lives. See further information on target markets, risks and eligibility in the product profile.
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Shelter your clients’ savings from tax

Understand if our Smoothed Bond is right for your clients.

6 ways to make the most of the LV= Smoothed Bond

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As a simple, low-cost investment

Our Bond is a straightforward investment option, designed to deliver steady growth over the medium to long-term.
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As a tactical investment

Optional capital guarantee can be bought on investments at outset, or upon the expiry of a previous guarantee, subject to availability.
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For a calmer investment journey

The investment journey can be as important as the destination for many clients. The built-in smoothing mechanism helps to deliver a calmer investment journey well suited to your risk-sensitive clients.
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For tax planning

There’s no Capital Gains Tax on withdrawals from the Bond, so higher rate taxpayers can withdraw up to 5% from their Bond without having any immediate tax liability.
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For inheritance tax planning

Our Bond can be written on a joint or single life basis and by placing the bond in trust, clients can potentially help reduce their dependants’ IHT liability.
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For life-events planning

For clients who want to earmark funds for planned events, the Bond supports that through the guarantee option, while maintaining the potential for investment growth.
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LV= Investments roadshow 2024

Join LV= Investments and our asset management partner, BlackRock, for our upcoming series of joint roadshow events. If you want to help your clients thrive in retirement, this event is for you.

Coming to a location nearby from 4 - 27 June 2024.

Check form complete

Use our new Adviser Portal to quote and apply

 

What type of clients would the Smoothed Bond be most suitable for?

Trustees:

    Looking to mitigate inheritance tax on large sums

    Who don’t have access to tax-efficient investment wrappers like ISAs

    Who have high CGT exposure, with no dividend allowance

    Want lower risk and potential above inflation returns

Individual investors:

    Lump sum investors who want to utilise a multi-tax wrapper approach

    Will pay high CGT on the returns of other investments

    Want to balance out their portfolio and have a healthy risk appetite

    Want to preserve wealth as they approach retirement

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Getting more for your clients

We want your clients to live confidently. That’s why we give our members more with their LV= Smoothed Bond.

As an investor in our LV= Smoothed Bond, your client automatically becomes a member. This means they can get access to exclusive member benefits and additional.

  • 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= Smoothed Bond clients are eligible.

More on member benefits

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Giving back to our members with a mutual bonus

Our aim is for eligible members to share in the success of our business – we do this through the mutual bonus.

More information on the mutual bonus

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Contact Phone

Let's talk

0800 032 8298

9am - 5pm Mon-Fri

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

Email [email protected] to book an introductory meeting. Please quote your FCA number and postcode.