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Empowering advisers. Supporting clients.
Whether your clients are preparing, transitioning, or optimising their retirement income, M&G’s integrated solutions offer everything you need - seamlessly, in one place.
Retirement isn’t a moment. It’s a journey. That’s why we’ve crafted a comprehensive suite of solutions to support advisers at every stage - with clarity, confidence, and control.
From the Prudential Retirement Account to the flagship PruFund range and Prudential Guaranteed Income Plan, our offerings deliver the flexibility and assurance your clients deserve - today and tomorrow.
Retirement that lasts a lifetime
With life expectancy rising, the FCA now expects retirement plans to be realistic, personalised, and built for the long term. That means dividing future spending into clear buckets: essential, lifestyle, and discretionary.
Our mix-and-match approach lets you tailor our solutions so your clients’ plans evolve with them.
Watch our video to find out more.
Simplicity, flexibility and value
Combine our solutions to create personalised retirement journeys that deliver more.
Prudential Retirement Account
A flexible, tax-efficient pension wrapper designed to simplify retirement advice and support evolving client needs.
What it offers:
- Over 650 funds, including smoothed, active, passive and ESG
- Digital-first servicing and seamless fund switching
- Transparent charging and no hidden fees
One account. One login. One team. A streamlined experience for advisers and clients alike.
Prudential Guaranteed Income Plan
Now available for new Prudential Retirement Account customers.
What it offers:
- Guaranteed income, lump sum, or both
- Ideal for phased retirement strategies
- Predictable income with transparent death benefit rules
- Integrated with PruFund for volatility control
Security and simplicity, without added complexity.
The PruFund range of funds
Globally diversified multi-asset funds built for scale, structured for stability and smoothed for confidence.
What it offers:
- Smoothed investment experience
- Cautious, Risk Managed and ESG options
- Ideal for income drawdown and accumulation
- Supports bucketing strategies for essential, lifestyle, and discretionary needs
Confidence in every stage of the retirement journey.
Experts you trust and tools you need
Empower your advice process with intuitive, compliant tools.
Available now:
- Prudential Guaranteed Income Plan Calculator
- Retirement Modeller for Retirement Account
- Award-winning technical support at your fingertips
- Investment expertise and dedicated Account Manager support
Evidence suitability, personalise strategies, and support Consumer Duty - all with ease.
Please remember that the value of investments can go down as well as up, your client may not get back what they have paid in.
Helping you meet your regulatory requirements
M&G’s retirement solutions are built to support advisers in meeting Consumer Duty and Retirement Income Assessment requirements through resilient, personalised strategies. From smoothed investments to guaranteed income, we can help you to map essential, lifestyle, and discretionary needs across every stage of retirement.
And you’re never on your own. Our dedicated Account Managers are here to support you with expert guidance and hands-on help—so you can focus on delivering confident outcomes for your clients.
Pension drawdown advice is evolving: Income drawdown eBook
RIAAT is designed to help you assess the suitability and sustainability of retirement income strategies by segmenting your client’s needs into essential, lifestyle, and discretionary categories. It helps to support your Consumer Duty requirements by offering a structured framework for evaluating withdrawal strategies, capacity for loss, and changing circumstances. We're supporting you with RIAAT to make regulatory compliance simpler, while giving you the flexibility to mix and match our solutions to meet each of your clients' income needs.
© Prudential 2025
"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.