Cookies
Back to Top

PruFund

The PruFund range of funds are designed to spread investment risk by investing in a range of different assets, and is managed by Prudential Portfolio Management Group Ltd (PPMG).

In addition, each of the funds aim to protect investors against some of the ups and downs of the markets by using a unique smoothing process. This aims to smooth the peaks and troughs of direct investment and provide less volatile and more stable returns over the medium to long-term in line with each funds objective and allowable equity parameters. These funds offer different levels of risk and potential return.

Funds included:

Risk Managed PruFund

  • PruFund 0-30
  • PruFund 10-40
  • PruFund 20-55
  • PruFund 40-80

PruFund Growth*
PruFund Cautious*

* With Sterling, Euro and US Dollar options for Prudential International investors.

Key points

Diversification
  • Investing globally in a range of assets including equities, property, fixed interest and where applicable alternative assets.
  • Pooling together the money of large numbers of investors to offer excellent diversification.
  • Investing predominantly using a range of Prudential Group funds.
  • These funds invest in the With-Profits Fund, but have different asset allocations and fund aims.
Asset Allocation

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 advisers match them to the outcomes of their client risk assessments.
  • PPMG asset allocation models are used to decide the high level asset allocation positions of each of the funds, including our Dynamic Portfolios. However the way in which asset allocation positions are applied for each PPMG 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.

PruFund Growth

  • These funds aim to maximise growth over the medium to long term by investing in shares, property, fixed interest and other investments.
  • 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.
  • Depending on availability and the product being invested in these funds may offer an optional guarantee term or terms which may, at an additional cost, provide some added security for clients.
  • We also provide a version of the same fund without the option of a guarantee.

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.
  • 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.
  • Depending on availability and the product being invested in these funds may offer an optional guarantee term, or terms which may at an additional cost, provide some added security for clients.
  • We also provide a version of the same fund without the option of a guarantee.
Governance
  • PPMG 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
  • Portfolios can be matched to the outcomes from different risk tools.
Product Availability
  Risk Managed PruFund Prufund Growth PruFund Cautious
Prudential Retirement Account X X X
Flexible Retirement Plan X X X
ISA X X X
Prudential Investment Plan X X X
Prudential International Investment Bond - available with currency options for PruFund Growth and PruFund Cautious
  • Sterling
  • Euro
  • US Dollar
  X X
Trustee Investment Plan X X X

This is not a comprehensive list of the availability of these funds. Please refer to the appropriate fund guide or product information pages for more information.

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