Liverpool Victoria With Profits Funds, Bonds and Policies

Liverpool Victoria

Ownership status

Liverpool Victoria Friendly Society Limited was founded in 1843. It is incorporated under the provisions of the Friendly Societies Act 1992.

The Society does not have any shareholders and, as a mutual organisation, exists wholly for the benefit of its members. Together with its subsidiary companies, the Society is an insurance and financial services business in the United Kingdom.

We are the UK 's largest Friendly Society (Association of Friendly Societies Yearbook 2006/2007. Total Net Assets). At present the Liverpool Victoria group of companies manages more than £8 billion on behalf of its members and customers.

Range of Policies

Liverpool Victoria offer two main types of policy, Unitised and convensional with-profits plans.

Unitised with-profits policies include the traditional with-profits endowment and whole of life policies, as well as the popular with-profits traditional pensions policy. These will be policies taken out after 1 Jan 1997. Policies taken out prior to this date will usually be conventional with profits plans.

Liverpool Victoria also offer what are known as “Accumulating with-profits plans” which include policies such as the flexible whole of life plan, and the appropriate personal pension plan.

Finally, Liverpool Victoria offer with-profits annuities, and an all-in-one with rofits investment bond.

Financial strength

Standard and Poors - BBBpi/--/--

Asset Share

Shown below is the spread of investments in the main Liverpool Victoria With-profits fund as at 31 Dec 2006

Assets	%
UK Stocks and shares	42.4
European stocks and shares	3.8
Japanese stocks and shares	7.5
Pacific stocks and shares	3.7
UK gilts and fixed interest	2.5
Overseas bonds	17.6
Venture funds	2.6
Property	15.1
Cash/Other	4.8

Source: www.lv.com/savingsandinvestments

With-Profits return

	3m return	6m return	1yr return	3yr return	5yr return	10yr return	25yr return
LV WP growth bond	0.6%	1.1%	2.3%	6.9%	12.6%	N/A	N/A
LV WP life fund (inc MIB)	0.7%	1.4%	2.8%	8.5%	15.3%	N/A	N/A
LV WP investment Bond	0.6%	1.1%	2.3%	6.9%	12.6%	N/A	N/A
LV WP life fund (inc MIB)	0.4%	0.8%	1.5%	4.5%	8.7%	N/A	N/A
LV WP tax-free TEP	0.9%	1.6%	3.3%	10.3%	19.0%	N/A	N/A
Sector average	0.5%	1.2%	3.0%	9.6%	16.3%	N/A	N/A

LV WP pension	0.8%	1.5%	3.1%	9.4%	17.5%	N/A	N/A
Sector average	0.6%	1.4%	3.3%	10.8%	18.2%	N/A	N/A

WP endowment	N/A	N/A	N/A	N/A	N/A	3.4%	10.0%

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