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Consumer Duty at its heart is about putting the needs of all our clients first. We need to ensure that client outcomes are at the centre of everything we do. But how do we do that?
In this Consumer Duty Hub you’ll find the value assessments for all of our products along with supporting information. This should assist in establishing overall value when combined with the service that you provide to your client. It’s important that we all work together to ensure the necessary information is provided to meet the new requirements.
The vast majority of our business at M&G Wealth is conducted by professional financial advisers, and we are always keen to champion the advice market, and support it in any way we can. We believe we have some unique propositions, but we rely on you, our adviser partners to recommend them where appropriate. Let’s keep working together to make sure we are giving the best possible outcome to our clients.
- Pensions
- Investments
- Funds
- Legacy products
Pru Legacy Products are products that are no longer open to new business, however other transactions may still be available.
To access information concerning value assessments for our range of legacy products, please refer to the Legacy Products section provided on the PruAdviser website. This section offers insights and guidance regarding the evaluation of our legacy product offerings.
What is it?
The Financial Conduct Authority (FCA) have published the final rules for Consumer Duty – PS22/9: A new Consumer Duty, alongside finalised guidance FG22/5. These were implemented on 31 July 2023 for new and existing products and services, and 31 July 2024 for closed products or services.
These three elements show how the new Consumer Duty is structured, it moves the overarching regulatory framework from a ‘principles’ based approach to a ‘rules’ based approach.
Consumer principle
- Firms must act to deliver good outcomes for customers
Cross-cutting rules
- Act in good faith towards customers
- Avoid foreseeable harm to customers
- Enable and support customers to pursue their financial objectives
Four outcomes
- Products and services
- Price and value
- Consumer understanding
- Consumer support
Further support
Due diligence and third party reports
The FCA’s paper TR16/1 Assessing Suitability: Research and due diligence of products and services, requires advisers to demonstrate they have the appropriate information and evidence on file for their client investment recommendations.
PruFund client support information
A range of client facing content to support your client conversations around PruFund.
How we manage money
The M&G Life Investment Office (LIO) has great strength in depth with a team that includes investment professionals with expertise in capital market research, investment strategy design, liability management, derivatives and portfolio management.
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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.