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An annual management charge applies to your client's investments - it's taken on a monthly basis as 1/12th of the annual charge by cancelling units.
Your client can access their money if they need to - we don't charge initial fees or early encashment fees.
View latest guide on LV= Smoothed Bond management charges and discount
To help you assess client suitability, we’ve had our funds independently risk-rated, by multiple agencies. This helps you make better informed decisions for your clients.
Find details on the asset mix of each fund and investment summary in the quarterly factsheets for our Flexible Guarantee Bond:
If your client already has an LV= Smoothed Bond, the charge for this is shown on their Bond Summary or Guarantee Endorsement and their Yearly Statements.
If your client is thinking of investing in an LV= Smoothed Bond and buying a guarantee at outset, or if they already have a bond and are thinking of buying a new guarantee as their current guarantee term is ending, the table shows the current charges for new guarantees.
Please remember that these charges can be changed at any time.
|Fund name||Guarantee term (years)||Guarantee charge (% p.a.)|
|Smoothed Managed Cautious Fund||10||1.00%|