Smoothed Pension:

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Smoothing – done differently

Our funds are uniquely equipped to support risk-sensitive clients. We offer a smoothing feature that reduces the day-to-day volatility of investing:

  • It works by averaging daily unit prices over the last 26 weeks.
  • It still means that the value of your client’s investment can go down as well as up - just less so each day.
  • It helps your clients by reducing the impact of daily price volatility on their pension investment.
  • In response to your feedback, our enhanced smoothing process starts averaging fund prices right from the beginning of your client's investment.

Learn more about smoothing here

Key documents

Here you can find the key documents related to our Smoothed Pension. You can also find additional documents in our document library.
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Fund options, risk-rated

Our Smoothed Pension comes with a choice of three pension funds: Cautious, Balanced and Growth. Each fund has a different risk-rating:

  • LV= Smoothed Managed Cautious fund is risk-rated 3 by Defaqto and Dynamic Planner
  • LV= Smoothed Managed Balanced fund is risk-rated 4 by Defaqto and Dynamic Planner
  • LV= Smoothed Managed Growth fund is risk-rated 5 by Defaqto and Dynamic Planner

Learn More about how global asset manager Columbia Threadneedle Investments manage the funds here.

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Added reassurance with an optional guarantee

Clients investing in the Smoothed Pension Cautious Fund can opt to buy a 10-year capital guarantee. Guarantees can be bought on initial and subsequent investments at outset, or on the expiry of a previous guarantee, subject to availability.

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.