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Regular and Annual Bonuses

On this page you'll find the Regular and Annual Bonuses that have been added to our range of With-Profits investments from 1 April 2025 (unless otherwise stated below).

These rates don't include any Final/Terminal or Additional Bonuses that may apply. Please see the relevant Key Features Document for more information on how the bonus is applied.

We can’t predict the future. Past performance isn't a guide to future performance. For investments in the With-Profits Funds, the value of the Policy depends on how much profit the Funds make and how we decide to distribute it. The rate of future bonuses can't be guaranteed.

Full terms and conditions of all products are available on request from Prudential, Lancing, BN15 8GB.

Savings & Investments

Product 2025 (%) 2024 (%) 2023 (%)
Prudential Investment Plan, Flexible Investment Plan and Prudence Bond (Optimum Return) both No Initial Charge and Initial Charge versions (bonuses added from 1st March 2025) 2.25 2.25 1.75
Prudential Investment Plan, Flexible Investment Plan and Prudence Bond (Optimum Bonus) both No Initial Charge and Initial Charge versions (bonuses added from 1st March 2025) 2.75 2.75 2.25
Prudence Prospects Bond (Optimum Return) (bonuses added from 1st March 2025) 1.85 1.85 1.35
Prudence Prospects Bond (Optimum Bonus) (bonuses added from 1st March 2025) 2.35 2.35 1.85
Prudential International Investment Bond (Sterling Fund) (bonuses added from 1 March 2025) 1.75 1.75 1.75
Prudential International Investment Bond (Euro Fund) (bonuses added from 1 March 2025) 1.25 1.25 1.25
Prudential International Investment Bond (US$ Fund) (bonuses added from 1 March 2025) 1.25 1.25 1.25
International Prudence Bond (Sterling Fund) (bonuses added from 1st March 2025) 1.75 1.75 1.75
International Prudence Bond (Euro Fund) (bonuses added from 1st March 2025) 1.25 1.25 1.25
International Prudence Bond (US$ Fund) (bonuses added from 1st March 2025) 1.25 1.25 1.25
PSA / PIB (bonuses added from 1st March 2025)8
- Fund over £2 2.25 2.25 1.75
- Fund under £2 1.25 1.25 0.75
Prudential OB Life1 1.00/2.00 1.00/2.00 0.80/1.50

1 Where two rates are given, the first bonus rate applies to the guaranteed basic benefit and the second bonus rate applies to the existing regular/annual bonuses.

8 With effect from 01/03/2020, the high tier bonus threshold was reduced from £6,000 to £2 implying all PSA/PIB business receive high tier bonuses for new money invested from that date going forward.

Pensions

Product 2025 (%) 2024 (%) 2023 (%)
Personal Pensions4 3.00 3.00 2.00
Personal Pensions9 2.75 2.75 1.75
Prudential Personal Retirement Plan1 0.10/0.25 0.10/0.25 0.10/0.25
Flexible Retirement Plan (pre 07/11/11) 2.75 2.75 1.75
Trustee Investment Plan - Series A (01/01/03 - 07/11/11)10 3.00 3.00 2.00
Flexible Retirement Plan and Trustee Investment Plan - Series A (post 07/11/11) 2.55 2.55 1.55

1 Where two rates are given, the first bonus rate applies to the guaranteed basic benefit and the second bonus rate applies to the existing regular/annual bonuses.

4 This category applies to members of the following schemes:

  • The Prudential Personal Pension Scheme (T86)

  • The Prudential Free-Standing Additional Voluntary Contribution Scheme (T96)

And holders of the following plans:

  • Prudential Personal Pension (T76)

9 This category applies to members of the following schemes, currently on Capsil:

  • The Prudential (PFS) Personal Pension Scheme

  • The Prudential (PFS) Freestanding Additional Voluntary Contribution Scheme

And holders of the following plans: 

  • Prudential Personal Pension Account (Mk1 to Mk3) 
  • Prudential Flexible Retirement Plan (Mk1 and Mk2) 
10 This category also applies to members of the following schemes:
  • Prudential Series A and Premier Plans written on or after 01/01/2003.

Retirement Income

Product 2025 (%) 2024 (%) 2023 (%)
With-Profits Pension Annuity (bonuses added from 6th April 2025)
 1.75 1.75 0.75
Former Equitable Life With-Profits Annuity
 0.50 0.50 0.00
Flexible Lifetime Annuity & Flexible Income Drawdown Plan (bonuses added from 6th April 2025)
 1.75 1.75 0.75

Corporate Pensions

Product 2025 (%) 2024 (%) 2023 (%)
Additional Voluntary Contributions (AVC) Cash Accumulation6 (bonuses added from 15th March 2025) 2.50 2.50 1.50
Additional Voluntary Contributions (AVC) Cash Accumulation6 Series 27 (bonuses added from 15th March 2025) 2.50 2.50 1.50
Defined Contribution (DC) Cash Accumulation6 (bonuses added from 15th March 2025) 2.50 2.50 1.50
Defined Benefit (DB) Cash Accumulation6 (bonuses added from 15th March 2025) 2.00 2.00 1.00
Unitised Group Pensions2 (bonuses added from 6th April 2025) 3.00 3.00 2.00
Exempt With-Profits Fund 11A (Pru Bulk S32 or Pru Company Transfer Plan (bonuses added from 1 April 2025)
 2.75 2.75 1.75
Exempt With-Profits Fund 11B (Pru Bulk S32 or Pru Company Transfer Plan (bonuses added from 1 April 2025)
 2.50 2.50 1.50

2 This includes: 

  • Group Personal Pension

  • Unitised Group Personal Pension Contracts issued as Corporate Pensions business

  • Unitised Pension Transfer Plan

  • Trustees Transfer Plan

  • Bond 32 101

  • Pension Transfer Plan Section 32 Buy Out

  • Money Purchase Plan

  • Prudential (2003) Money Purchase Pension Plan

  • Prudential (2000) Personal Pension Scheme

The Prudential (2000) Personal Pension Scheme policies are entitled to bonuses from the Pensions With-Profits Fund.

The Bond 32 101 and Pension Transfer Plan Section 32 Buy Out products may have units designated to cover GMP in the With-Profits II Fund for which the rate will be 1% lower than the Unitised Group Pensions rate shown in the table above.

6 Subject to a guarantee of 4.75% or 2.50% for certain earlier business.

7 AVC bonus series with guarantee charge that is currently no more than 4% for new AVC customers with effect from March 2019, with deductions building up to this level over the first few years of the policy. The starting (2019) annual bonus rate for the new bonus series was the same as the existing AVC bonus series, and continue to remain so at Final 2025. It is possible the annual bonus rates for the two bonus series could diverge in the future.

Scottish Amicable Life Assurance Society policies

The Scottish Amicable Insurance Fund (SAIF) is closed to new business and all of the surplus of its assets over its liabilities is used to provide enhancements to pay-outs to the SAIF With-Profits Policies.

On 1st April 2021, the SAIF merged with the Prudential With Profits Sub Fund.

Product 2025 (%) 2024 (%) 2023 (%)
Flexipension (1st series)1
 0.10/0.25 0.10/0.25 0.10/0.25
Superannuation (2nd series)1
 0.10/0.25 0.10/0.25 0.10/0.25
Principal1
 1.00/1.75 1.00/1.75 0.70/1.25
Group Pensions
 0.25 0.25 0.25
Flexidowment (2nd series)1
 0.80/1.95 0.80/1.95 0.60/1.45
Home Purchaser 2 & 3, and Amicable Savings Plan (Net With-Profits Fund 1)3
 2.50/2.50 2.50/2.50 2.00/2.00

1 Where two rates are given, the first bonus rate applies to the guaranteed basic benefit and the second bonus rate applies to the existing regular/annual bonuses.

3 Where two rates are given, the first bonus rate applies to the basic units and the second bonus rate applies to the bonus units.

Product 2025 2025 2024 2024
Scottish Amicable Life Assurance Society policies (SAIF)
 Pre 2006 investments Post 2005 investments Pre 2006 investments
 Post 2005 investments
Exempt With-Profits Funds 1
 4.00 4.00 4.00 4.00
Exempt With-Profits Funds 2
 4.00 4.00 4.00 4.00
Exempt With-Profits Funds 3
 3.00 3.00 3.00 3.00
Exempt With-Profits Funds 3a
 4.00 3.00 4.00 3.00
Exempt With-Profits Funds 3b
 4.00 3.00 4.00 3.00
Exempt With-Profits Funds 4
 4.00 3.00 4.00 3.00
Product 2025 (%) 2024 (%) 2023 (%)
Ex-Scottish Amicable Life (Ex-SAL) Life policies (Net With-Profits Fund 2)3
 2.25/2.25 2.25/2.25 1.75/1.75
Pensions With-Profits Funds (series 5&6) (including Trustee Investment Plan (1997))
 3.125 3.125 2.125
Pensions With-Profits Funds (series 7&8 (including Trustee Investment Plan - Series A)5
 3.00 3.00 2.00

3 Where two rates are given, the first bonus rate applies to the basic units and the second bonus rate applies to the bonus units.

5 This category applies to all Ex-SAL Series A and Premier Plans (including TIP Series A) written before the transfer to Prudential on 01/01/2003.

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"Prudential" is a trading name of Prudential Distribution Limited. Prudential Distribution Limited is registered in Scotland. Registered Office at 5 Central Way, Kildean Business Park, Stirling, FK8 1FT. Registered number SC212640. Authorised and regulated by the Financial Conduct Authority. Prudential Distribution Limited is part of the same corporate group as the Prudential Assurance Company Limited. The Prudential Assurance Company Limited and Prudential Distribution Limited are direct/indirect subsidiaries of M&G plc which is a holding company registered in England and Wales with registered number 11444019 and registered office at 10 Fenchurch Avenue, London EC3M 5AG, some of whose subsidiaries are authorised and regulated, as applicable, by the Prudential Regulation Authority and the Financial Conduct Authority. These companies are not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in the United Kingdom.