LV= Smoothed Pension:

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LV= Smoothed Pension

Our LV= Smoothed Managed Funds Pension Series 1 (Smoothed Pension) offers a range of multi-asset funds designed for steady growth with a smoother investment journey, reducing the stress and anxiety that can come with stock market investing. Specially designed to suit risk-sensitive clients, our smoothed pension funds offer a safer investment solution – during the accumulation process and while taking drawdown income.

Clients can access the funds through our industry recognised LV= Pension (Flexible Transitions Account).

  • Take away the worry of day-to-day investing with our built-in smoothing mechanism. We average fund prices over the previous 26 weeks to reduce the impact of market volatility on your client's investments. It’s simple, transparent and easy to explain to your clients – read more about smoothing.

  • Plus, our enhanced smoothing process means unit prices are averaged from day 2.
  • Steady medium to long term growth with no unexpected price adjustments to date.
  • Check your client's investment value quickly and easily with our online valuation tool.
  • Smoothed Managed Cautious fund allows clients to buy an optional 10-year capital guarantee for added reassurance. Your clients can add to their investments at outset, or when a previous guarantee expires.
  • Funds risk-rated by multiple agencies to help you assess client suitability. 
  • Benefit from a simple online quote and apply process with no signatures or  automated ID checks. 
  • 100.1% of initial investment available to beneficiaries if your client dies.
     

Important information

There are some important things you need to know about our Smoothed Pension.
  • This is a with-profits plan so clients will be eligible to participate in our distributions to with-profits policy holders and will be eligible to receive a mutual bonus.
  • Your 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 may need to be valued using the underlying price. We also have discretion to use a daily gradual averaged price with an appropriate smoothing period of up to 26 weeks. Full details are contained in the document 'Your guide to how we manage our unitised with-profits Smoothed Managed Funds business'.

5 reasons to use LV= Smoothed Pension

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Low impact charges

With charges from as little as 0.9% for smoothed investments, the reduced impact of short term market volatility and downside risk, our Smoothed Pension funds are well-suited to risk-sensitive investors.

Proven smoothing

Our Smoothed Pension uses our unique smoothing process which has withstood market volatility since 2009 with no unexpected price adjustments to date.
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Added value to your advice process

We’re here to help you, help clients - make the most of our suitability wording tool and Funds Centre to support the advice and recommendations you’re offering.
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Low impact charges

With charges from as little as 0.9% for smoothed investments, the reduced impact of short term market volatility and downside risk, our Smoothed Pension funds are well-suited to risk-sensitive investors.
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Quick transfer times

Our online quote and apply system gets your cases through faster – with no need for client signatures or automated ID checks. Set up your client’s plan easily, with complete security and efficiency thanks to full Origo Options Transfer Service integration.
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Giving your clients a confident retirement

Your clients will get access to a range of members benefits and additional support services.
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Quick transfer times

Our online quote and apply system gets your cases through faster – with no need for client signatures or automated ID checks. Set up your client’s plan easily, with complete security and efficiency thanks to full Origo Options Transfer Service integration.

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Our Smoothed Bond offers a unique mechanism designed to smooth the impact of market volatility on your onshore investment.
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