M&G Treasury & Investment Office is our in-house asset-allocation expert for the Prudential With-Profits Fund. The fund is designed to spread investment risk by investing in a range of different assets.
Our With-Profits Fund managers aim to secure the highest total return for the fund over the long-term (after any tax and investment expenses) while maintaining an acceptable level of risk and protecting our planholders.
Our bonus process aims to give each planholder a return which reflects the earnings on the underlying investments over the period of their investment, whilst smoothing some of the extreme highs and lows of short-term investment performance. We can change the rate of the regular bonus at any time.
Please remember that the value of investments can go down as well as up, so your client might get back less than they put in.