For UK financial advisers only, not approved for use by retail customers. Click here for the customer website.
The Prudential With-Profits Fund is managed by M&G Treasury & Investment Office (T&IO). 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 expenses) while maintaining an acceptable level of risk and protection for 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 highs and lows of short-term investment performance.
View the With-Profits fund bonus rates to see how this impacts your clients.
The With-Profits Fund aims to smooth some of the ups and downs of short-term investment performance in order to provide a more stable return. We do this by holding back some of the investment returns in good years with the aim of using this to support bonus rates in the years where the investment returns are lower.
You can find out more about smoothing, how we manage the fund and apply any bonuses in Your With-Profits Plan – a guide to how we manage the Fund (PDF).
An offshore version (PDF) of this guide is also available.
The Prudential Assurance Company Ltd (PAC) With-Profits Fund has a 5 out of 5 rating, as at December 2024, for financial strength from AKG Actuaries & Consultants, who are specialists in providing independent With-Profits ratings. This is the highest rating AKG award. Source: AKG With-Profits Report (PDF), AKG Financial Strength Assessment Report.