Historic Annual Bonus Rates Tables
Listed below are the Regular/Annual Bonuses that have been added to our range of With-Profits investments from 1 April 2011 (unless otherwise stated below). These rates do not include any Final/Terminal or Additional Bonuses that may apply. Please refer to your key features document for more information about how the bonus applies to your product.
| Product | Annual Bonus Rate | ||
| 2011 (%) | 2010 (%) | Change (%) | |
| Savings & Investments | |||
| Prudence Bond (Optimum Return) both No Initial Charge and Initial Charge versions (bonuses added from 1st March 2011) | 3.00 | 3.00 | 0.00 |
| Prudence Bond (Optimum Bonus) both No Initial Charge and Initial Charge versions (bonuses added from 1st March 2011) |
3.75 |
3.75 |
0.00 |
| Prudence Prospects Bond (Optimum Return) (bonuses added from 1st March 2011) | 2.60 | 2.60 | 0.00 |
| Prudence Prospects Bond (Optimum Bonus) (bonuses added from 1st March 2011) | 3.35 | 3.35 | 0.00 |
| International Prudence Bond (Sterling Fund) (bonuses added from 1st March 2011) | 3.50 | 3.50 | 0.00 |
| International Prudence Bond (Euro Fund) (bonuses added from 1st March 2011) | 3.00 | 3.00 | 0.00 |
| International Prudence Bond (US$ Fund) (bonuses added from 1st March 2011) | 3.00 | 3.00 | 0.00 |
| PSA / PIB (bonuses added from 1st March 2011) | |||
| - Fund (£6,000 and over) | 3.00 | 3.00 | 0.00 |
| - Fund (under £6,000) | 2.00 | 2.00 | 0.00 |
| Prudential OB Life1 | 1.20 / 2.50 | 1.20 / 2.50 | 0.00 / 0.00 |
| Pensions | |||
| Personal Pensions (including Trustee Investment Plan - Series A for business sold between 01/01/2003 and 06/11/2011)4 | 3.00 | 3.00 | 0.00 |
| Prudential Personal Retirement Plan1 | 0.25 / 0.50 | 0.25 / 0.50 | 0.00 / 0.00 |
| Flexible Retirement Plan (pre 07/11/11) | 2.75 | 2.75 | 0.00 |
| Retirement Income | |||
| Prudential With-Profits Annuity (bonuses added from 6th April 2011) | 1.00 | 1.50 | -0.50 |
| Ex Equitable Life With-Profits Annuity | 0.00 | 0.00 | 0.00 |
| Flexible Lifetime Annuity & Flexible Income Drawdown Plan (bonuses added from 6th April 2011) | 1.00 | 1.50 | -0.50 |
| Corporate Pensions | |||
| Additional Voluntary Contributions (AVC) Cash Accumulation (bonuses added from 15th March 2011) | 2.75 | 2.75 | 0.00 |
| Defined Contribution (DC) Cash Accumulation (bonuses added from 15th March 2011) | 2.75 | 2.75 | 0.00 |
| Defined Benefit (DB) Cash Accumulation (bonuses added from 15th March 2011) | 2.25 | 2.25 | 0.00 |
| Unitised Group Pensions2 (bonuses added from 6th April 2011) | 3.25 | 3.25 | 0.00 |
| Scottish Amicable Life Assurance Society policies (SAIF) | |||
| Flexipension (1st series)1 | 0.40 / 0.90 | 0.40 / 0.90 | 0.00 / 0.00 |
| Superannuation (2nd series)1 | 0.40 / 0.90 | 0.40 / 0.90 | 0.00 / 0.00 |
| Principal1 | 0.80 / 1.50 | 0.80 / 1.50 | 0.00 / 0.00 |
| Group Pensions | 0.90 | 0.90 | 0.00 |
| Flexidowment (2nd series)1 | 0.70 / 1.70 | 0.70 / 1.70 | 0.00 / 0.00 |
| Home Purchaser 2 & 3, and Amicable Savings Plan (Net With-Profits Fund 1)3 | 2.00 / 2.00 | 2.00 / 2.00 | 0.00 / 0.00 |
| Product | 2011 | 2011 | 2010 | 2010 | Change | |||||
| Scottish Amicable Life Assurance Society policies (SAIF) | Pre 2006 investments | Post 2005 investments | Pre 2006 investments | Post 2005 investments | ||||||
| Exempt With-Profits Funds 1 | 4.00 | 4.00 | 4.00 | 4.00 | 0.00 / 0.00 | |||||
| Exempt With-Profits Funds 2 | 4.00 | 4.00 | 4.00 | 4.00 | 0.00 / 0.00 | |||||
| Exempt With-Profits Funds 3 | 2.25 | 2.25 | 2.25 | 2.25 | 0.00 / 0.00 | |||||
| Exempt With-Profits Funds 3a | 4.00 | 2.25 | 4.00 | 2.25 | 0.00 / 0.00 | |||||
| Exempt With-Profits Funds 3b | 4.00 | 2.25 | 4.00 | 2.25 | 0.00 / 0.00 | |||||
| Exempt With-Profits Funds 4 | 4.00 | 2.25 | 4.00 | 2.25 | 0.00 / 0.00 | |||||
| Product | Annual Bonus Rate | ||
| 2011 (%) | 2010 (%) | Change (%) | |
| Ex-Scottish Amicable Life (Ex-SAL) | |||
| Life policies (Net With-Profits Fund 2)3 | 2.75 / 2.75 | 2.75 / 2.75 | 0.00 / 0.00 |
| Pensions With-Profits Funds (series 5&6) (including Trustee Investment Plan (1997)) | 3.125 | 3.125 | 0.000 |
| Pensions With-Profits Funds (series 7&8 (including Trustee Investment Plan - Series A)5 | 3.00 | 3.00 | 0.00 |
1Where two rates are given, the first bonus rate applies to the guaranteed basic benefit and the second bonus rate applies to the existing regular/annual bonuses.
2 This includes:
Group Personal Pension
Unitised Group Personal Pension Contracts issued as Corporate Pensions business
Unitised Pension Transfer Plan
Trustees Transfer Plan
Pension Transfer Bond 32
Money Purchase Plan (New)
Prudential (2003) Money Purchase Pension Plan
Prudential (2000) Personal Pension Scheme
The Prudential (2000) Personal Pension Scheme policies are entitled to bonuses from the Pensions With Profits Fund.
The Trustees Transfer Plan and the Pension Transfer Bond may have units designated to cover GMP in the With-Profits II fund for which the rate will be 2.25%.
3Where two rates are given, the first bonus rate applies to the basic units and the second bonus rate applies to the bonus units.
4This category applies to all Prudential Series A and Premier plans (including TIP - Series A) written on or after 01/01/2003
5This category applies to all Ex-Sal Series A and Premier plans (including TIP - Series A) written before the transfer to Prudential on 01/01/2003
Past performance is not an indicator of future performance. For investments in the With-Profits Funds, the value of the Policy depends on how much profit the Funds make and how we decide to distribute it. The rate of future bonuses cannot be guaranteed.
Full terms and conditions of all products are available on request from Prudential, Craigforth, Stirling FK9 4UE.
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