LV= Smoothed Bond:
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Smoothed Managed Funds Bond Series 1
Our Smoothed Bond offers your clients a range of fund options. Each fund aims to achieve long term and steady growth – using a mix of equity, commercial property, fixed interest securities and cash. Its in-built smoothing mechanism is designed to avoid investment ups and downs.
Fund management charges
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
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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:
LV= Smoothed Bond guarantee charges – for bonds starting from June 2021
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.
We offer a range of guarantee terms to help you tailor the guarantee to your client’s investment or retirement income strategy. See the guarantee charges for our Flexible Guarantee Bonds (all series) here.
Bonds started between 12 June 2017 to June 2021
Bonds started between 22 October 2012 to 11 June 2017
Bonds started between 20 August 2012 to 5 September 2014
Bonds started between 9 August 2010 and 17 August 2012
Bonds started between 18 August 2009 and 6 August 2010
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