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

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Online valuations, made simple

Our Savings and Retirement Adviser Portal allows you to quote and apply, as well as check the value of your client's investment in just a few clicks.

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 pension funds: Extra Cautious, Cautious, Balanced, Growth and Impact Growth. The funds are risk-rated by multiple agencies to help you assess client suitability.

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 at outset, or on the expiry of a previous guarantee, subject to availability.

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Benefits, exclusively for members

The LV= Smoothed Bond is a with-profits investment, meaning your client becomes a member when they take out this product. 

More about member benefits.
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Let's talk

0800 032 8298

9am - 5pm Mon-Fri

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