What is PruFund?
The funds are designed to provide a smoother investment journey, giving you access to a wide range of assets while the established smoothing process helps reduce some of the short-term fluctuations associated with investment markets. This means that while you’ll be protected from some of the short-term falls in investment markets, you won't fully benefit from any increases in investment markets over the short-term.
Already invested in PruFund?
- Smoothing
- Diversification
A smoother investment journey
PruFund is more than just another multi-asset fund. The PruFund range of investment funds offer a further layer of protection by employing an established ‘smoothing process’.
PruFund’s smoothing process is designed to give you a more stable rate of growth than you would get if you were directly exposed to changes in the fund’s underlying performance. So while you may not benefit from the full upside of any potential stock market rises, you shouldn’t suffer from the full effects of any downsides either. The value of your investment can go down as well as up, meaning you could get back less than you paid in.
The chart compares a smoothed fund (such as PruFund) with an unsmoothed fund over the same period.
- The shaded coral area shows how an unsmoothed fund rises and falls with every market move – a more bumpy ride.
- The green line shows the smoothed fund – it still moves with the market direction, but the peaks and troughs are far less dramatic.
This chart is for illustrative purposes only and does not represent any specific time period or actual investment performance. It’s an example only.
The importance of diversification
When investing, you can choose to hold your money in different types of assets, such as stocks and shares, bonds, real estate or cash, each with varying levels of risk and reward.
Remember though, all investments come with risk. The value of your investment can go down as well as up, meaning you could get back less than you paid in.
Our fund range
The PruFund range has been carefully crafted to support different investor goals and appetites for risk.
For a detailed breakdown of each fund, you should speak to your financial adviser –they’ll be able to walk you through how everything works, and which option might suit your needs and personal circumstances. Each PruFund aims to grow your money over the long term – 5 to 10 years, or more.
Takes a more cautious multi-asset approach. For example, this means a lower allocation to stocks and shares, and a higher allocation to bonds.
A multi-asset approach that invests across a broad, multi-layered mix of stocks and shares, property, bonds and other asset types.
A range of five funds designed to reflect different attitudes to risk and reward.
Building on the Risk managed range, the PruFund Planet range of five funds invest not only in companies with strong environmental, social and governance credentials, but also actively seek opportunities that deliver positive outcomes.
Get more information and details on each of the PruFund investment funds
