Prudential International Investment Bond 


  • 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

The Prudential International Investment Bond is a medium to long-term (around five to 10 years) investment bond which enables you to invest in a range of investments with the potential for growth. It allows you to take tax-efficient withdrawals, while providing an element of life cover. 

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.

Access to the Prudential PAC Sterling, PAC Euro and PAC US Dollar With-Profits Funds is no longer available to new customers investing in the Prudential International Investment Bond on or after 11/09/2017.

However, if you are an existing customer pre 11/09/2017, you will still be able to top up or switch into the Prudential With-Profits PAC Sterling, PAC Euro and PAC US Dollar Funds.

Reference to With-Profits on this page is only applicable to policyholders pre 11/09/17. 

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 of £20,000 and any additional top ups must be at least £15,000.
  • Choose your currency – if you wish to invest and take withdrawals, there’s a choice of investment currencies, to suit your particular circumstances.
  • There is a wide range of investments to choose from - you'll have access to our:
  • Five Risk Managed Active and two Risk Managed Passive funds targeting different levels of risk and potential return and our unique combination of experts - M&G Treasury and Investment Office (T&IO) formerly known as PPMG for asset allocation and Morningstar for fund recommendations and selection.
  • An additional fund range to complement the Multi-Asset funds which are managed by Prudential and other external fund managers who have been chosen for their investment expertise. Please note that change in the rates of exchange could also cause the value of your investment, or any income taken, to go down as well as up.
  • Flexible options for withdrawing your money – you can take regular or partial withdrawals from your bond at any time. You can set the amount of regular withdrawals and choose how often it is taken, as long as you take a minimum of £75 and leave at least £500 invested in each fund. You can find details of withdrawals in the 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.

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 Prudential International Investment Bond please refer to the documents listed below:

The Prudential International Investment 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.

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.

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 + 353 1 476 5000

Monday to Friday, 9am to 5pm

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