Book School Documents

Boost pension savings while balancing risk with the LV= TIP

Complement your client's SIPP or SSAS investments with the LV= smoothed funds, without transferring away.


Our Smoothed Managed Funds Trustee Investment Plan (TIP) is a single premium investment plan for Trustees of UK registered pension schemes. 

The LV= TIP offers your clients access to our unique range of risk-rated multi-asset smoothed funds, designed to suit clients with a range of risk appetites and composures, as part of their existing Self-Invested Personal Pension (SIPP) or Small Self-Administered Scheme (SSAS).

  • Our transparent smoothing mechanism, is based on real-world past performance, with averaged unit prices from day two of investment. 
  • Steady medium to long-term growth, with no unexpected price adjustments to date.
  • A range of actively managed multi-asset funds, managed to our exacting mandate.

Product profile

Find a summary of the relevant product information, in accordance with the Insurance Distribution Directive.

Important information

There are some important things you need to know about our LV= TIP:

  • This is a with-profits plan so members will be eligible to participate in our distributions to with-profits policy holders and they will be eligible to receive a discretionary mutual bonus.
  • Whilst there is no minimum or fixed term, we would expect an investment term of at least five years and ideally longer.
  • Clients investing in the Cautious fund have the option to purchase a 10-year capital guarantee to lock in their investment value. Guarantees can be bought on initial and subsequent investments at the outset, or on the expiry of a previous guarantee, subject to availability.
  • 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. 

Explaining our smoothing mechanism

Want to learn how our unique smoothing mechanism works, and how it can limit the impact of market volatility on your clients' investments?
Laptop Video Webinar

Savings and Retirement Adviser Portal

Use our new Savings and Retirement Adviser Portal to quote and apply.
Selected completed form document with stack of coins

Getting more for your clients

We want your clients to live confidently. That’s why we give our members more with their LV= ISA.

As an investor in our ISA, your client automatically becomes a member. This means they can get access to exclusive member benefits and additional.

  • Putting your client’s interest first. As a mutual, we’re owned by our members. We put the interests of your clients first, rather than those of external shareholders.
  • Member benefits. We offer benefits to certain with-profits members – your LV= ISA clients are eligible.

More on member benefits

Hands holding heart in middle

Giving back to our members with a mutual bonus

Our aim is for eligible members to share in the success of our business – we do this through the mutual bonus.

More information on the mutual bonus

Learn more about LV= Investments

Woman sitting on a yoga mat on a dock, by a lake at dawn

Smoothed returns

Our proven smoothing process helps level the concerns of day-to-day investing. It’s simple, transparent and performed exactly as intended through market shocks.

More on smoothing

Family riding bicycles through the woods on a sunny day

Expert fund management

Our smoothed funds are overseen by our award-winning investments team, and managed to our exacting mandate. 

More on fund management

couple stood facing a lake on a rainy day in the woods

Smoothed Managed Fund range

Our smoothed funds are available through a pension, bond and ISA.

More on smoothed investments

Contact Phone

Let's talk

0800 032 82989am-5pm Mon-Fri

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