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The PruFund Range of Funds

PruFund funds aim to grow your client's money while giving them a smoothed investment experience.

  • A choice of funds available
  • Multi-asset funds
  • Smoothing process


The PruFund range of funds aim to grow your client's money over the medium to long term (5 to 10 years or more), while protecting them from some of the extreme short term ups and downs of direct stockmarket investments by using an established smoothing process.

PruFund funds are invested in the Prudential With-Profits Fund, which is one of the largest and financially strongest with-profits funds in the UK. There are differences across the range of PruFund funds in their objectives and mix of assets, and how PruFund delivers returns to investors when compared to other With-Profits business, which means the returns received by investors will vary by fund choice.

PruFund funds are multi-asset funds. Each of the individual PruFunds invest in a spread of different types of asset classes. The four main asset classes are Equities, Commercial Property, Bonds (Corporate and Government) and Cash. By spreading the investment across these asset classes, the rises and falls (or volatility) associated with investing in a single asset class can be reduced.

Please remember that the value of investments can go down as well as up, your client may not get back what they have paid in.

 

This table shows a number of places these funds are available.

  Prudential PruFund Growth Fund Prudential PruFund Cautious Fund Prudential Risk Managed PruFund Funds Prudential PruFund Planet Funds
Prudential Retirement Account
International Portfolio Bond
Flexible Retirement Plan#  
Prudential ISA  
Prudential Investment Plan  
Prudential International Investment Bond*    
Trustee Investment Plan  
M&G Wealth Platform ISA      
M&G Wealth Platform SIPP      

*Available with currency options for PruFund Growth Fund and PruFund Cautious Fund (Sterling, Euro, US Dollar).

# The Flexible Retirement Plan (FRP) closed to new business on 17 September 2018 but if your client is an existing FRP customer they can still make changes to their plan.

This is not a comprehensive list of the availability of these funds. Please refer to the appropriate fund guide or product information pages for more information.

Retirement Account - PruFund Series D & Series E

Please note that there are two series of PruFund within Retirement Account, which have different investment date cycles. Customers are invested in either series as follows:

  • Series D - All investments made on or before 25 August 2017.

  • Series E - All investments made after 25 August 2017 (including fund switches and regular premium contributions).

 

T&IO works closely with Prudential to set the overarching strategic asset allocation framework for the multi-asset fund range and for managing the asset allocation on an ongoing basis.

PruFund Global Diversification

There is a range of PruFund funds designed to suit different attitudes to risk and reward, for those wishing to invest for 5 to 10 years or more. There are the five Risk Managed PruFund funds, five PruFund Planet funds and also the PruFund Growth and Cautious Funds, the latter two included guarantee options (at an additional charge). PruFund Protected Funds are currently closed to new investments.