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Prudential With-Profits Fund

Each Prudential With-Profits Fund offered is designed to spread investment risk by investing in a range of different assets. In addition, through the bonus process, we'll continue to smooth some of the extreme ups and downs of short-term investment performance.

  • Smoothing
  • Guarantees included
  • Financial strength

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.

Product

Available

Flexible Retirement Plan#

Trustee Investment Plan

Prudential International Investment Bond*

Closed to new business since 11 September 2017. Top-ups and switches available to customers pre 11 September 2017.

Prudential Investment Plan

Not available to new business from 11 September 2017


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.

# 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.

*Different currency options: Sterling, Euro or US Dollar.

The Prudential Assurance Company Limited With-Profits Fund, as at December 2020, has a 5/5 rating for financial strength from AKG Financial Analytics Ltd, who are specialists in providing independent With-Profits ratings. This is the highest rating that AKG. Source: AKG With-Profits Report (PDF)

The Prudential Assurance Company Limited is rated A+ for financial strength by Standard & Poor’s, as at August 2020. This is one of the highest ratings currently given to any UK Life Assurance Company.