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PruFund

Key points

Diversification
  • Invests globally in a range of assets including equities, property and fixed interest.
  • Pools together the money of large numbers of investors to offer excellent diversification.
  • Invests predominantly using a range of Prudential Group funds.
Governance
  • PMG monitor and manage the Prudential Group fund managers responsible for the majority of underlying funds that these multi-asset funds invest in.
Special Features
  • Smoothing
  • Financial strength
  • Backed by the assets of one of the largest With-Profits Funds in the UK (end December 2011)

 

Our PruFund Range of Funds now offer two choices. Each with our unique PruFund smoothing process, but with some important differences.

 

Extend

Risk Managed PruFund

These funds provide a choice of four options each offering different levels of risk and potential return. The funds each have clearly stated equity parameters to help you match them to the outcomes of your client risk assessments.

Key points

Asset Allocation PruFund 0-30

PruFund 10-40

PruFund 20-55

PruFund 40-80
  • A choice of four Risk Managed PruFund funds - managed by Prudential's Portfolio Management Group (PMG) in line with each funds’ objective and allowable equity parameters. 

  • The Risk Managed PruFund funds use PMG asset allocation models to decide the high level asset allocation positions of each of the funds.  These are the same high level asset allocation models as used by other PMG funds, including our Dynamic Portfolios, however the way in which asset allocation positions are applied for each PMG fund can be different, for example, depending on the different aims of each fund, the assets in which the funds can invest and how each fund is structured. 

  • The high level asset allocation positions for the Risk Managed PruFund funds are updated monthly.  Within each high level asset type (for example international equities or fixed interest) the amount held in different types of that asset is driven by the proportion held in the main With-Profits Fund, which could change on a day-to-day basis. 

  • These funds invest in the With-Profits Fund, but have different asset allocations and fund aims. 

Commonly used support

Product availability table

Product choice Available Additional information
International Bond
International Prudence Bond No  
Onshore Bond
Flexible Investment Plan Yes  
Prudential Investment Plan Yes
     
Pension
Flexible Retirement (including Personal Pension and Income Drawdown) Yes  
Trustee Investment Plan Yes
 
 
Annuity No  
 
Collective Investment No  

Please refer to the appropriate fund guide or product information pages for more information.

Extend

Optional Protection PruFund

These funds can offer a range of optional guarantee terms which may, at an additional cost, provide some added security for your clients. We also provide versions of the same funds without the optional guarantees.

Key points

Asset Allocation

PruFund Protected Growth/PruFund Growth

  • Maintaining the financial security of the Fund is the overriding priority - within that Prudential's Portfolio Management Group (PMG) have latitude to actively manage the asset allocation to help meet the Funds' aim of maximising growth over the medium to long term.

PruFund Protected Cautious/PruFund Cautious

  • These Funds offer alternative asset splits to the PruFund Growth Funds by offering a different allocation of real (equities, property and alternative assets) versus nominal (fixed interest and cash) assets. This is to help the Funds' meet their aims for providing growth over the medium to long term through a cautious approach to investing while maintaining an acceptable level of risk to the Funds.
  • PMG asset allocation changes in the PruFund Growth Funds will be reflected within the real and nominal assets held.

The onshore PruFund Funds invest in the With-Profits Fund. The international PruFund Funds are backed by assets in the Long-Term Fund of the Prudential Assurance Company Ltd through a reinsurance agreement.

 

Commonly used support

Product availability table

Product choice Available Additional information
International Bond
International Prudence Bond Yes Available with Sterling, Euro and Dollar options
Onshore Bond
Flexible Investment Plan Yes  
Prudential Investment Plan Yes
     
Pension
Flexible Retirement (including Personal Pension and Income Drawdown) Yes  
Trustee Investment Plan Yes
 
 
Annuity No  
 
Collective Investment No  

Please refer to the appropriate fund guide or product information pages for more information.

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For UK Adviser Use Only - Not Approved For Use With Clients