LV= Smoothed Pension:

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Supporting safer pension investments

Our new LV= Smoothed Managed Funds Pension Series 1 (Smoothed Pension) offers three 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 3, 4, and 5 by Distribution Technology and Defaqto 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 non-profit plan so clients will not be eligible to participate in any of our distributions to with-profits policyholders. For example, they will not 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.
  • In exceptional market conditions (when the underlying price is 80% or less of the averaged or ‘smoothed’ price), a fund will be valued on the underlying price or gradual averaging price. We reserve the right to move to suspend smoothing at other times.

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, protection against 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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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 value-added benefits, including  LV= Doctor Services, (worth £1,000 a year depending on services used), 24/7 access to a confidential member helpline and member discounts on LV= general insurance products.

Flexible Guarantee Bond

Protect your clients’ funds with three flexible options – making investments secure and simple. 

LV= ISA

Offer a smoother investment journey with a simple on-boarding process – while protecting your clients’ investments from short-term market volatility.

LV= Pension (Flexible Transitions Account)

Easily recommend and manage LV= retirement income products, all in one place.
Contact Phone

Let's talk

0800 085 0250

9am - 5.30pm Mon-Fri

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