Industry news and views from Panacea and our partners.
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LV= Three ways human behaviour is impacting your financial advice
There are many natural human tendencies that influence decision-making every day. While classic economic theories asserted that people act rationally, we know (through decades of social and psychological research) that this is not the case. Our emotions are too powerful.
LV= How can we make investing less stressful?
Share this video with your clients to show how we average fund performance over six months - to counter the volatile market's ability to trigger emotion-based investment decisions - without sacrificing the fund's long-term growth potential.
LV= ‘Loss aversion’ - what is it and why does it matter?
Research shows people feel the pain of losing twice as much as the joy of gaining. Share this video with your clients to help illustrate how loss aversion might be affecting them on their journey to their financial goals.
How you can leverage investment psychology with LV= Smoothed Managed Funds
The LV= Smoothed Managed Funds combine the growth potential of a modern multi-asset fund with fund price averaging for a smoother journey.
LV= Investments for humans
Investing is emotional. Your clients, like you, are influenced by emotions when making investment decisions. That's why advisers are turning to our Smoothed Managed Funds to help counter market volatility and boost client confidence.
LV= How to unlock a more human retirement advice proposition
As greater regulatory focus lands on tailoring advice to the needs and characteristics of the individual client, understanding behavioural finance can provide a roadmap for your conversations, and offer clients a more composed path towards their investment objectives.
LV= How could smoothed funds support clients in difficult markets?
Market volatility can leave investors anxious as they question how these conditions might affect their returns. In times of instability, some clients might delay making investment decisions and could therefore be missing out on valuable time in the market.
LV= Onshore Bond – the forgotten wrapper
In a landscape where financial advice often directs customers towards wrappers like an Individual Savings Account (ISA) or a Self-Invested Personal Pension (SIPP), Bonds, whether onshore or offshore, are an underutilised financial planning tool.
LV= FCA's thematic review on retirement income
The decumulation landscape has evolved significantly since Pension Freedoms were introduced in 2015, and the FCA’s Thematic Review of Retirement Income Advice aims to drive thousands more consumers toward receiving retirement recommendations aligned to their needs.
LV= Market Perspectives: In conversation with Samantha Brownlee
Our Chief Investment Officer, Adam Ruddle, recently met with Samantha Brownlee, Portfolio Manager, UK Equities at BlackRock to discuss whether we are seeing a turning tide for UK equities and where Samantha can see lasting opportunity.
LV= Adapting to change: the evolution of investment strategies for a new generation of investors
As financial service providers look to secure future clients in the UK, adapting to the needs and expectations of younger working generations is key.
LV= Retirement planning: the long-term impact of short-term thinking
With increasing life expectancies and a shift from defined benefit to defined contribution pensions, we explore the importance of long-term investing in an evolving retirement landscape.
LV= How the female wealth shift is reshaping investment strategies
We explore the key considerations for financial advisers in developing more tailored and robust, goal-oriented investment strategies that cater to the needs and preferences of women.
LV= Tax-efficient investing: why bonds should be on your radar
Accessing tax-efficient investment options for your clients is more complex than it used to be, so where can you turn? In this webinar LV= will explore what makes the onshore bond such an effective tax planning tool. They will share the latest Smoothed Managed Funds performance, and provide a recap of their recent enhancements to their charges and fund size discounts.
LV= Wealth and Wellbeing Research Programme (Spring/Summer 2024 Edition)
The purpose of our LV= Wealth and Wellbeing Monitor is to provide you with a clear picture of people’s retirement plans as well as their financial and mental health.
LV= UK Equities then and now: is now the right time to invest at home?
In this webinar we are joined by our new asset management partner, BlackRock, to hear from Luke Chappell, Portfolio Manager and Head of UK and Global Equity team at BlackRock, who will give his insight into what this year will bring for UK equities.
LV= Investments for Humans - a more human approach to financial planning in retirement
This webinar explores how you can better support clients in the lead up to, and in, retirement in this one-hour webinar offering a host of insights and expert presentations from LV=, BlackRock and The Lang Cat.
LV= Offer better value Smoothed Managed Funds to your clients
LV’s Smoothed Managed Funds AMC is now from 0.80%* both on and off platform, meaning your clients will have access to one of the best value smoothed funds in the market today. Additional Fund Size Discounts available. *The AMC for the LV= ISA is 0.95%
LV= Smoothing, simplified
We learn from Head Wealth Proposition, Kirsty Wright, why smoothed funds are the ideal investment solution to provide your clients peace of mind.
LV=View from the CIO - an interview with Chris Ellis Thomas from BlackRock
Our Chief Investment Officer, Adam Ruddle, recently met with Chris Ellis-Thomas from BlackRock to discuss what our new partnership with BlackRock means for advisers and how our investment teams work together.
LV= Adam Ruddle - Macro market outlook Q1 2024
Our Chief Investment Officer, Adam Ruddle, recently sat down to look back over the big questions facing investors at the beginning of the year, and where we are now. Watch what he had to say.
LV= Working together: A new asset management partnership for LV= (Smoothed Managed Funds quarterly investment update)
After an extensive review process and a diligent transition period, BlackRock is now the primary asset management partner of LV’s Smoothed Managed Funds.
LV= Investments for humans (CPD event)
Join LV= and their new primary asset management partner, BlackRock, alongside speakers from The Lang Cat to delve into a more human approach to retirement planning.
LV= Wealth and Wellbeing Research Programme Edition 14
By tracking the changes to people’s income and outgoings, spending trends or areas of concern, the report can help you identify the different client types and a potential financial strategy to meet their needs.
Join LV= for Smoothing 101
‘How LV’s smoothed funds operate, and how to make them work for your clients’. Our research shows that 55% of UK adults describe themselves as ‘more concerned about the possible losses than gains’ when faced with a financial decision. So, what can advisers do to consider the impact of loss aversion and support their clients to make financial decisions that are right for them?
LV= Smoothing, done differently
LV’s unique smoothing mechanism takes the average of a fund’s daily underlying price over the past 26 weeks to produce a ‘smoothed’ fund price. Understanding our smoothing mechanism doesn’t need to be complicated. It’s based on what’s already happened – rather than what might happen in the future.
LV= Smoothed Managed Funds Adviser Guide
Secure your copy of our Smoothed Managed Funds adviser guide to understand how our smoothing mechanism helps to deliver a calmer investor experience.
LV= Smoothed Managed Funds Adviser Guide
Secure your copy of our Smoothed Managed Funds adviser guide to understand how our smoothing mechanism helps to deliver a calmer investor experience.
How to build decumulation strategies around your clients
In this webinar LV= explore why we've seen a resurgence in annuities, what clients are now looking for in retirement, delve into the behavioural science behind investing, and bring to life their blended solution (which combines a fixed term annuity with smoothed investment) through client case studies.
Pension changes from 6 April 2024
The new pension tax rules come into effect from 6 April 2024. To illustrate these changes read as LV= outline how the new rules work in practice.