LV= Smoothed Managed Funds Bond

LV= Smoothed Managed Funds Bond:

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Important information

Converting Smoothed Managed Funds Bond to a with-profits investment

Broadening our range of funds

Introducing the LV= Smoothed Managed Funds Bond

We’re here to help protect your clients’ funds and with the unique features of the LV= Smoothed Managed Funds Bond, you can do just that.

The main features of the LV= Smoothed Managed Funds Bond

An in-built smoothing mechanism – uses fund price averaging to reduce the impact of market volatility on your clients’ investments.
An online valuation tool - the current value of your client’s investment is just a few clicks away.
Funds are independently risk-rated by multiple agencies to help you assess client suitability.

An optional capital guarantee* – lock-in fund value for a fixed 10-year term, helping reduce downside risk.
An onshore investment option - managed to our mandate by Columbia Threadneedle Investments.

*10-year guarantee period only available with Smoothed Managed Cautious fund.

Your client’s investments may go down as well as up, and they could get back less than invested. Whilst there is no minimum or fixed term, our bond is designed to provide steady growth for a period of at least five years and ideally longer.

Product Profile

With multiple layers of protection, your clients will benefit from our Smoothed Managed Funds Bond at any stage of their lives. See further information on target markets, risks and eligibility in the product profile.

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LV= Smoothed Managed Funds Bond product profile

Important documents

6 ways to make the most of the LV= Smoothed Managed Funds Bond

As a simple, low-cost investment

Many of your clients will be looking for a straightforward investment option. Because its smoothed returns help protect against market volatility, it’s well suited to your risk-sensitive clients.

As a tactical investment

Optional capital guarantee on the Smoothed Managed Cautious Fund only can be bought at outset, or upon the expiry of a previous guarantee, subject to availability.

As a secure investment

Security is vital for many of your clients. The built-in smoothing mechanism helps to protect your clients’ investment against downside risk.

As a simple, low-cost investment

Many of your clients will be looking for a straightforward investment option. Because its smoothed returns help protect against market volatility, it’s well suited to your risk-sensitive clients.

For tax planning

There’s no Capital Gains Tax on withdrawals from the Bond, so higher rate taxpayers can withdraw 5% each year – while just paying basic rate tax.

For IHT planning

Our Bond can be written on a joint or single life basis and by placing the bond in trust, clients can potentially help reduce their dependants’ IHT liability.

For life-events planning

For clients who want to earmark funds for planned events, the Bond supports that through the guarantee option, while maintaining the potential for investment growth.

For tax planning

There’s no Capital Gains Tax on withdrawals from the Bond, so higher rate taxpayers can withdraw 5% each year – while just paying basic rate tax.

Need to get in touch?

You can contact your Business Development Manager for more information about our Smoothed Managed Funds Bond, or for anything else call us on 0800 032 8298.