Pension Choices Plan - PruFund Expected Growth Rates and Unit Price Adjustments
PruFund funds aim to grow your money over the medium to long term (5 to 10 years or more), while protecting you from some of the short-term ups and downs of investment markets.
The funds give you access to a wide range of assets while the established smoothing process helps reduce some of the short-term fluctuations associated with investment markets. This means that while you will be protected from some of the short-term falls in investment markets, you won't fully benefit from any increases in investment markets over the short-term.
The table below shows the current and historic EGR (gross of all product charges) and Unit Price Adjustments (UPA), correct as at 25 February 2025 (unless otherwise indicated).
Pension Choices Plan
| Pension Choices Plan | Expected Growth Rate (%) | Historic Expected Growth Rate | Historic Unit Price Adjustments | ||||
|---|---|---|---|---|---|---|---|
| From | To | EGR (%) | Date | Type Of Adjustment | UPA (%) | ||
| PruFund Risk Managed 1 Fund | 6.10 | 27-08-2024 | Present | 6.10 | 27-02-2024 | End | +0.90* |
| 25-05-2023 | 26-08-2024 | 6.50 | 25-08-2023 | End | -2.36 | ||
| 25-11-2022 | 24-05-2023 | 6.10 | 28-02-2023 | End | +0.90* | ||
| 25-08-2022 | 24-11-2022 | 5.30 | 13-10-2022 | Mid | -6.91 | ||
| 25-02-2022 | 24-08-2022 | 4.70 | 25-05-2022 | End | -2.41 | ||
| 26-05-2020 | 24-02-2022 | 4.30 | 28-02-2022 | End | +1.25* | ||
| 27-08-2019 | 25-05-2020 | 4.70 | 25-08-2021 | End | +3.81# | ||
| 25-05-2017 | 26-08-2019 | 5.10 | 25-11-2020 | End | +2.15 | ||
| 25-08-2016 | 24-05-2017 | 5.40 | 25-08-2020 | End | +2.34 | ||
| 25-05-2016 | 24-08-2016 | 5.80 | 26-05-2020 | End | +2.68 | ||
| 25-02-2016 | 24-05-2016 | 6.30 | 23-03-2020 | Mid | -7.41 | ||
| 25-11-2014 | 24-02-2016 | 6.40 | 26-02-2020 | End | +0.90* | ||
| 28-08-2013 | 24-11-2014 | 6.90 | 26-11-2018 | End | -3.40 | ||
| 26-11-2012 | 27-05-2013 | 7.10 | 28-05-2013 | End | +3.05 | ||
| 25-11-2011 | 25-11-2012 | 7.40 | 28-08-2012 | End | +2.75 | ||
| PruFund Risk Managed 2 Fund | 6.50 | 27-08-2024 | Present | 6.50 | 27-02-2024 | End | +0.90* |
| 25-05-2023 | 26-08-2024 | 6.90 | 25-08-2023 | End | -2.72 | ||
| 25-11-2022 | 24-05-2023 | 6.50 | 25-05-2023 | End | -3.08 | ||
| 25-08-2022 | 24-11-2022 | 5.70 | 28-02-2023 | End | +0.90* | ||
| 25-02-2022 | 24-08-2022 | 5.10 | 25-11-2022 | End | -2.44 | ||
| 26-05-2020 | 24-02-2022 | 4.80 | 25-05-2022 | End | -2.10 | ||
| 27-08-2019 | 25-05-2020 | 5.20 | 28-02-2022 | End | +1.25* | ||
| 25-05-2017 | 26-08-2019 | 5.50 | 25-08-2021 | End | +3.67# | ||
| 25-08-2016 | 24-05-2017 | 5.70 | 25-05-2021 | End | +2.09 | ||
| 25-05-2016 | 24-08-2016 | 6.10 | 25-11-2020 | End | +2.51 | ||
| 25-02-2016 | 24-05-2016 | 6.70 | 25-08-2020 | End | +2.54 | ||
| 25-11-2014 | 24-02-2016 | 6.90 | 26-05-2020 | End | +2.92 | ||
| 27-05-2014 | 24-11-2014 | 7.30 | 20-03-2020 | Mid | -9.31 | ||
| 28-05-2013 | 26-05-2014 | 7.20 | 26-02-2020 | End | +0.90* | ||
| 26-11-2012 | 27-05-2013 | 7.40 | 25-02-2013 | End | +3.24 | ||
| 25-11-2011 | 25-11-2012 | 7.80 | 27-02-2012 | End | +3.41 | ||
| PruFund Risk Managed 3 Fund | 7.00 | 27-08-2024 | Present | 7.00 | 27-02-2024 | End | +0.90* |
| 25-05-2023 | 26-08-2024 | 7.40 | 25-08-2023 | End | -2.96 | ||
| 25-11-2022 | 24-05-2023 | 7.00 | 25-05-2023 | End | -3.32 | ||
| 25-08-2022 | 24-11-2022 | 6.20 | 28-02-2023 | End | +0.90* | ||
| 25-02-2022 | 24-08-2022 | 5.60 | 25-11-2022 | End | -2.73 | ||
| 26-05-2020 | 24-02-2022 | 5.30 | 28-02-2022 | End | +1.25* | ||
| 27-08-2019 | 25-05-2020 | 5.70 | 25-08-2021 | End | +4.90# | ||
| 25-08-2016 | 26-08-2019 | 6.10 | 25-05-2021 | End | +3.22 | ||
| 25-05-2016 | 24-08-2016 | 6.40 | 25-11-2020 | End | +3.33 | ||
| 25-02-2016 | 24-05-2016 | 6.90 | 25-08-2020 | End | +3.71 | ||
| 25-11-2014 | 24-02-2016 | 7.10 | 19-03-2020 | Mid | -10.64 | ||
| 27-05-2014 | 24-11-2014 | 7.60 | 26-02-2020 | End | +0.90* | ||
| 28-05-2013 | 26-05-2014 | 7.50 | 27-02-2017 | End | +3.10 | ||
| 26-11-2012 | 27-05-2013 | 7.70 | 25-02-2016 | End | -3.05 | ||
| 25-11-2011 | 25-11-2012 | 8.00 | 26-08-2014 | End | +2.60 | ||
| 25-02-2013 | End | +3.71 | |||||
| 27-02-2012 | End | +4.21 | |||||
| PruFund Risk Managed 4 Fund | 7.40 | 27-08-2024 | Present | 7.40 | 27-02-2024 | End | +0.90* |
| 25-05-2023 | 26-08-2024 | 7.70 | 25-08-2023 | End | -3.32 | ||
| 25-11-2022 | 24-05-2023 | 7.20 | 25-05-2023 | End | -3.86 | ||
| 25-08-2022 | 24-11-2022 | 6.40 | 28-02-2023 | End | +0.90* | ||
| 25-02-2022 | 24-08-2022 | 5.80 | 28-02-2022 | End | +1.25* | ||
| 26-05-2020 | 24-02-2022 | 5.70 | 25-08-2021 | End | +4.56# | ||
| 27-08-2019 | 25-05-2020 | 6.00 | 25-05-2021 | End | +2.67 | ||
| 25-08-2016 | 26-08-2019 | 6.30 | 25-11-2020 | End | +3.49 | ||
| 25-05-2016 | 24-08-2016 | 6.70 | 16-03-2020 | Mid | -10.00 | ||
| 25-02-2016 | 24-05-2016 | 7.20 | 26-02-2020 | End | +0.90* | ||
| 25-11-2014 | 24-02-2016 | 7.40 | 25-05-2017 | End | +2.80 | ||
| 27-05-2014 | 24-11-2014 | 7.90 | 27-02-2017 | End | +4.51 | ||
| 28-05-2013 | 26-05-2014 | 7.80 | 25-08-2015 | End | -3.25 | ||
| 26-11-2012 | 27-05-2013 | 7.90 | 25-02-2015 | End | +2.61 | ||
| 25-11-2011 | 25-11-2012 | 8.20 | 25-02-2013 | End | +3.10 | ||
| 27-02-2012 | End | +7.81 | |||||
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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.