With their unique smoothing mechanism and globally diversified multi-asset portfolios
Tax-efficient withdrawals of up to 5% of the investment each policy year for up to 20 years
Reduce your client's inheritance tax liability by placing the plan in trust
Our Prudential Investment Plan is an investment bond that lets your clients invest their money in a range of different funds. The plan aims to grow the value of their investment over the medium to long term (5-10 years or more).
If your client would like to invest more, please contact your Account Manager.
Your clients can:
The maximum level of regular withdrawals during any 12 month period is the greater of:
Your client can take up to 5% of their initial investment and any additional investments as a tax-deferred withdrawal each year. Anything above this may be liable to immediate Income Tax. Your client might need to pay tax depending on their circumstances and the options they choose. Tax rules can also change in the future.
All withdrawals are subject to a minimum withdrawal payment of £50.
Download the Key Features document for more information.
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The Prudential Investment Plan offers a wide range of investments for your clients to choose from, with access to Prudential’s Multi-Asset Fund range including the established PruFund range of funds.
See the Prudential Investment Plan fund guide for more details on the funds available.
Our range of globally diversified, expertly managed multi-asset solutions, offering the potential for growth. Their established smoothing mechanism aims to provide clients with a less volatile investment experience.
We offer guarantees for the PruFund Protected Cautious Fund. At the end of the selected guarantee term the fund will be worth at least the amount your client invested (subject to charges, enhancement or withdrawals).
The risk-managed range of funds aims to achieve the right mix for your client’s portfolio with a balance of cost, investment styles and a choice of five risk levels.
There are two ranges: Risk-Managed Active and Risk-Managed Passive. The funds are available across a wide range of platforms.
Access additional internally and externally managed funds, which offer a range of assets to suit differing client needs.
Find out more about fund availability.
Find out more about the performance of the funds.
We take an Annual Management Charge for looking after your investment.
There are other costs which aren't covered by the Annual Management Charge. These can include, for example, maintenance costs for property investments and costs associated with investing in infrastructure, such as utilities, transport and renewable energy. These can vary over time.
Further information on the charges and costs for each fund can be found in the appropriate Key Information Document and Investment Options Documents linked to at the top of this page. The Prudential Investment Plan fund guide also includes information on fund charges and costs.
We offer Fund Size Discounts on the Annual Management Charge which apply to the whole investment, not just the portion above the threshold levels shown below.
Assets Under Management (£) |
Fund Size Discount From Annual Management Charge (%) |
| <24,999 | 0.30 |
| 25,000-49,999 | 0.35 |
50,000-99,999 |
0.40 |
100,000-249,999 |
0.45 |
250,000-499,999 |
0.475 |
500,000-999,999 |
0.50 |
1,000,000-1,749,999 |
0.525 |
1,750,000-2,999,999 |
0.55 |
3,000,000+ |
0.575 |
Your clients can switch funds at any time, but can only invest in 10 funds at any time. We currently don’t charge for switching, but if this changes in the future, we’ll inform your clients.
The minimum amount your clients can switch is £500. If they’re not switching the full value of their investment from a particular fund, they must leave at least £500 in that fund.
Further details on fund switching can be found in the Fast Facts.
The PruFund Protected Growth Fund is currently unavailable to new investments.
We offer guarantee terms for both PruFund Protected Cautious Fund and PruFund Protected Growth Fund, where the guarantee will only apply at the end of the selected guarantee term (the guarantee date) providing your client doesn’t switch out of the funds.
Once the guarantee term has been selected, the charge will remain fixed throughout the guarantee term. The guarantee will only apply at the end of the selected guarantee term.
More details about charges can be found in The PruFund Range of Funds: Guarantee Options.
The level and shape of Adviser Charging is agreed between you and your client.
There are three types of Adviser Charges:
Ongoing and ad hoc Adviser Charges affect the 5% annual withdrawal limit for Income Tax purposes.
Find out more about Adviser Charging in the Fast Facts document for the Prudential Investment Plan.
© Prudential 2024
"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.
