Skip to main content

International Portfolio Bond 

Benefits

  • Tax efficient products with the option to defer tax until they are fully cashed in.
  • Wide choice of risk-rated funds from Prudential and other leading fund managers. The choice of funds available will vary depending on which product you invest in.
  • You can invest and take withdrawals with easy access to your money to suit your needs.

Risks and considerations

  • This product is only available through a financial adviser.
  • The value of your investment can go down as well as up and you may not get back the amount you put in.
  • Making withdrawals from the Plan and/or the application of charges will reduce the value of your investment.
  • The tax you pay will depend on your individual circumstances and is subject to change in the future

Learn more

Back to Investment products

Why invest in International Portfolio Bond?

The International Portfolio Bond - Lives Assured is a single premium, whole of life investment bond which offers the potential for growth and provides a small benefit on death.

The International Portfolio Bond – Capital Redemption is a single premium investment bond, which offers the potential for growth and provides a benefit at the end of 99 years if it is not cashed in before then.

It offers different ways for you to take tax-efficient withdrawals, to suit your needs now and throughout the lifetime of the bond. There are a range of investment options to match different attitudes to risk and your financial adviser will recommend the right option for you.

This product is provided by Prudential International who are based in Dublin so they offer flexibility along with a wide range of investment choice. Investments with Prudential International grow largely free from tax which could result in a potentially higher return than investments in UK-based funds.

Please note that this isn’t guaranteed and there is the potential that you might not get back the amount you put in.

What is Offshore?

Offshore is a common term that is used to describe a range of locations where companies can offer customers growth on their funds that is largely free from tax. This includes "true offshore" locations such as the Channel Islands and Isle of Man, and other locations such as Dublin - where Prudential International is registered. Tax treatment can vary from one type of investment to another, and from one market and location to another.

Offshore products are perhaps most commonly thought of as offering tax advantages for higher rate tax payers but there are also a number of other aspects that potentially make them attractive for a wide range of customers.

  • You can start investing – with a minimum initial investment of £20,000 into your bond and £5,000 for additional investments (top-ups).
  • There is a wide range of investments to choose from - you'll have access to a wide range of investment options to suit your investment style and appetite for risk. This includes:

 - our PruFund range of funds.

 - hundreds of collective funds from a wide variety of fund management groups.

If you want more information on what investment options are available to you, you can explore our full range of funds and download our factsheets.

It’s also important that you regularly review your investments so that you get the best out of your plan.

Your financial adviser can explain the fund options to you and what to consider.

  • Flexible options for withdrawing your money – you can take regular or one-off  withdrawals from your bond.  The minimum amount for any type of withdrawal payment is £50.  Depending on which method you choose, there can be different tax implications. You can find details of withdrawals and the tax implications in the relevant Key Features Document.
  • Inheritance tax planning options – with a wide range of trust options available for use with the Prudential International products.

An important point to remember is that the value of your investment can go down as well as up and you may not get back the amount you put in. You can find more details about this and other risks in the relevant Key Features Document.

Sustainable Finance Disclosure Regulation

The Sustainable Finance Disclosures Regulation (SFDR) is a European Union (EU) regulation designed to help investors by providing more transparency on how financial products, and their underlying investment options can promote environmental and/or social characteristics, or have a sustainable investment objective.

This product promotes environmental or social characteristics. This means that it has one or more funds that promote these characteristics, and/or one or more funds that have a sustainable investment objective.

For sustainability-related information for International Portfolio Bond please refer to the documents listed below:

Please note, within each document there are third party links to sustainability information at fund level. If you have difficulty opening these links, or finding information on the fund you are looking for, then please speak to your financial adviser.

You can get more information on how Prudential International Assurance considers principal adverse impacts of its investment decisions below:

Tax advantages

The International Portfolio Bond has the advantage of being tax efficient in a number of ways. Please speak to your financial adviser for more information on the tax benefits

More Information

You should contact a financial adviser for further information or want to apply for a Prudential International product.

Before you decide whether you think if these investment product are right for you, you should read the following documents.

Key Information Documents

Please see Key Information Documents below.

Are you an existing customer?

If you are an existing customer and looking to make changes to your investment, please contact your financial adviser. They can provide information on:

  • making an additional investment (top ups) into your bond,
  • changing your investment funds,
  • withdrawals,
  • any other changes, or to find out more about your bond.

Speak to a Financial Adviser

Call your financial adviser to top up, change investment funds , make withdrawals, any other changes or to find out about your bond.

call 0345 600 0614, or if calling from abroad +44(0)131 608 1767

Monday to Friday, 9am to 5pm

Calls may be monitored or recorded. Calls will be charged at your international call rate.

 

 

© 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.