With-Profits

• Invests globally in a range of assets including equities, property, fixed interest and alternative assets.
• Pools together the money of large numbers of investors to offer excellent diversification.
• Invests predominantly using a range of Prudential Group funds.

With-Profits (referred to as Optimum Return for our Onshore Bond products)

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

Onshore Bonds only - Optimum Bonus

• The Fund invests in the With-Profits Fund, but offers an alternative split of real (equities, property and alternative assets) versus nominal (fixed interest and cash) assets, to help meet the Fund's aim of providing medium to long term growth and to generate income.
• PMG asset allocation changes in the With-Profits Fund will be reflected within the real and nominal assets held.

• PMG monitor and manage the Prudential Group fund managers responsible for the majority of underlying funds that these multi-asset funds invest in.

• Smoothing
• Guarantees
• Financial strength
• Asset liability management

Available with Sterling, Euro and Dollar options