Industry news and views from Panacea and our partners.
LV=
LV=: Are investment choices meeting client objectives?
In a challenging economic climate, with an increased tax burden, and the introduction of Consumer Duty rules it is important that advisers are working with clients to fully understand their concerns. So how do we look towards different investment options and make sure they stay in touch with client objectives?
LV= Smoothed Bond - The smooth way to boost tax-efficiency
LV are here to help you grow your clients’ savings while reducing the impact of volatility, and with their Smoothed Bond you can make the most of its unique features to do just that. Designed to provide long-term steady to moderate growth, with very low to medium level risk investment.
Built to last: the performance and progression of LV’s Smoothed Managed Funds
Get under the bonnet of the SMF investor experience, explore fund performance in Q1 2023, and what's next as LV look to the future of Smoothed Managed Funds.
LV= Smoothed Bond - The smooth way to boost tax-efficiency
LV are here to help you grow your clients’ savings while reducing the impact of volatility, and with their Smoothed Bond you can make the most of its unique features to do just that. Designed to provide long-term steady to moderate growth, with very low to medium level risk investment.
LV= Smoothed Managed Funds Adviser Guide
Your clients could benefit from LV’s Smoothed Bond at any stage of their lives. For further information on the ideal client, risks and eligibility in the Adviser Guide.
LV= 6 ways to make the most of the LV= Smoothed Bond
We’re here to help you grow your clients’ savings, and with our Smoothed Bond you can make the most of its unique features to do just that.
LV= Smoothing, done differently
Explaining smoothing to your clients doesn’t need to be complicated. It’s easy for your clients to understand as it’s based on what’s already happened - rather than what might happen in the future.
LV= A balancing act: How to manage your clients' risk composure in uncertain market conditions
In this webinar, we take a deep dive into our latest research, uncovering the state of the nation when it comes to financial resilience, and explore solutions that work for clients across a broad spectrum of risk composure, including our unique approach to blending guaranteed income with low volatility growth.
LV= Cost of living rise forces consumers to delay major life decisions
Research from investment, protection and retirement specialist LV= shows how financial worries are leading to people delaying major life decisions such as getting married, buying a first home, starting a family or changing careers.
LV= Key takeaways from the Spring Budget – March 2023
On Wednesday, Jeremy Hunt delivered one of the most crucial budgets in recent times. During a period of high inflation, a cost of living crisis and uncertainty in the markets, the Chancellor’s statement was highly anticipated.
LV= Blended approach can ease pensioners’ drawdown and volatility fears
Research from investment, protection and retirement specialist LV= highlights how millions of people are worried about stock market volatility and running out of money in retirement.
LV= The pain of losing is twice as powerful as the pleasure of gaining
As many sports fans can attest, the disappointment when your favourite team loses can linger longer than the happiness felt from winning a game. The same can happen when it comes to personal finances.
LV= Wealth and Wellbeing Research Programme - 11th edition
In this report LV share the latest insights from their Wealth and Wellbeing Research Programme. Established in June 2020, this longitudinal study has tracked UK adults’ behaviours around their finances and wellbeing during a period of exceptional market turmoil and change.
LV= Wealth and Wellbeing Research Programme - 11th edition
During a period of high inflation, a cost of living crisis, and uncertainty in the markets, the Chancellor’s statement was highly anticipated.
LV=’s Wealth and Wellbeing research programme
The purpose of the LV= Wealth and Wellbeing research programme is to provide you with a clear picture of people’s retirement plans as well as their financial and mental health.
LV= Understanding our unique smoothing process
Discover LV='s unique smoothing mechanism, which uses fund price averaging to smooth out the traditional peaks and troughs of stock market investing to provide your clients with a calmer investment journey.
LV= 6m people retire earlier than planned
Research from pensions and retirement specialist LV= highlights how millions of people say they have retired earlier than planned.
LV= How smoothed solutions could help ease your clients’ recession worries
In this webinar, LV= were joined by investment experts to explore market conditions, and how their Smoothed Managed Funds are uniquely designed and positioned to help.
LV= Understanding our unique smoothing process
Discover LV='s unique smoothing process, and how it works to help provide you with a safety net when markets fall.
Wealth and Wellbeing Research Programme
The purpose of the 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= More of your clients could need long-term security
With the cost of living crisis and volatility of the current market flexi-drawdown is less appealing than it once was. But what if you could do drawdown differently?
LV= De-risk your clients’ retirement journey
Research from LV= highlights how millions of people say they have retired earlier than planned. Advisers can help to smooth their clients’ retirement journey by giving them flexible investment options that are right for them.
LV= Delivering flexibility, along with a secure income
This comparison table from LV= shows how their Fixed Term Annuities compares against a lifetime annuity and drawdown pension. This helps you compare the products that you can blend to offer the best solution for your client.
LV=The need for guarantees
Uncertainty is a significant threat to retirement planning. It brings volatility which in retirement can significantly increase the chances of a client outliving their funds. LV= offer a bespoke and cost effective way which aims to provide security and flexibility for your clients.
LV= Limiting risk: the psychological impact of continued volatility, and how to manage it
The impact on global financial markets since Russia’s invasion of Ukraine has ensured that these unprecedented times of high volatility and high inflation continue to affect investors.
LV: Smoothing the journey for even more investors - expanding our Smoothed Managed Funds range
In today's economic and political climate, investment into funds that can help to navigate tumultuous market conditions has been growing in popularity, and, increasingly, smoothed funds have become a natural choice for the more risk averse client.
Introducing our new LV= Smoothed Bond
We are delighted to announce that our new LV= Smoothed Bond is now available.
Limiting risk: the psychological impact of continued volatility, and how to manage it (60 minutes)
In this webinar LV= are joined by behavioural finance expert Dr Greg Davies, of leading behavioural finance fintech Oxford Risk, to explore how the need for emotional comfort drives investor behaviour during their investment journey, Anxiety Adjusted Returns and investor composure, and the psychological benefits of prioritising a smoother journey over seeking maximum risk-adjusted returns.
Smoothing the journey for even more investors - expanding our Smoothed Managed Funds range (60 minutes)
In this webinar LV= explore how they are helping advisers meet this need through the expansion of their Smoothed Managed Fund range to include two new funds, Impact Growth and Extra Cautious.
LV= introduces two new smoothed funds
LV= has launched two new funds, Extra Cautious and Impact Growth. The funds target very low (Extra Cautious) and medium (Impact Growth) volatility, with the Impact Growth fund having a sustainable focus. Both funds benefit from LV=’s smoothing mechanism. Find more details, including the asset allocations, in this guide.