All our with-profits business is held within Liverpool Victoria Financial Services Limited (LVFS). When your client invests with us, it’s combined with other investor's money into our with-profits fund. First and foremost, we want to give your client a fair return on their investment. As we offer many different ways of investing, we have different groups of with-profits policyholders – with different plans started at different times, and with different terms.
We use smoothing on our funds to help deliver a calmer investment journey which may be well suited to your risk-sensitive clients that are uncomfortable with traditional ups and downs of the stock market (and other investments).
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With-profits funds
Many of our legacy investments and our LV= ISA, Smoothed Managed Funds Bond Series 1, Smoothed Managed Funds Pension Series 1 and Smoothed Managed Funds Trustee Investment Plan Series 1 (LV= TIP) invest in the with-profits fund. This includes the LV= Flexible Guarantee Fund (all series) and the Flexible Guarantee Bond (all series).
LV= ISA
Smoothed Managed Funds Bond Series 1
Legacy investments
Smoothed Managed Funds Pension Series 1
LV= TIP
Financial strength and stability
We’ve been rated B for Overall Financial Strength (strong)*, so you can be confident in recommending us to your clients.
- We’ve been providing financial stability to our customers since 1843.
- We are a leading financial services provider with 1.3 million customers.
- We have £13billion in assets-under-management (at end-March 2022) and our Capital Coverage Ratio is 187% (2021 Annual Report).
*AKG Actuaries and Consultants Ltd, Financial Strength Assessment, March 2022.
Quarterly factsheets
Our factsheets provide information on the performance of each fund option across our Smoothed Managed Fund range.- LV= Smoothed Managed Cautious Bond - Quarterly factsheet
- LV= Smoothed Managed Cautious Pension - Quarterly factsheet
- LV= Smoothed Managed Balanced Bond - Quarterly factsheet
- LV= Smoothed Managed Balanced Pension - Quarterly factsheet
- LV= Smoothed Managed Growth Bond - Quarterly factsheet
- LV= Smoothed Managed Growth Pension - Quarterly factsheet