Retirement has more potential with PRUDENTIAL

Pensions

Pru FRP - Personal Pension with SIPP Options SIPP Options Trustee Investment Plan (Series A)

TIP investment options TIP - providing income TIP - providing guarantees

Spousal Bypass Trust Legacy Products

TIP investment options

Our Trustee Investment Plan (TIP) offers access to a broad range of funds.

You can select from:

Multi-asset funds managed by Portfolio Management Group (PMG).
Unit-linked funds from across different ABI sectors.

The day-to-day management of our multi-asset funds is carried out by PMG who are a specialist investment team within Prudential. PMG has over 20 members, including economists, investment strategists and analysts who are specialists in the different areas of the investment world. PMG manage the overall asset mix for all our multi-asset funds.

The With-Profits Fund

We have one of the largest and strongest With-Profits Funds in the UK, with more than £66.3bn funds under management (as at 30 June 2011). Any growth is distributed by declaring regular bonuses and potentially a final bonus. The value of the Plan depends on how much profit the Fund makes and how we decide to distribute that profit.

You can only choose to invest in the With-Profits Fund if

the plan is member designated; and
the member is under age 85.

To find out more detail, see our guides on:

PruFund Funds

Our PruFund Funds are invested in the Prudential's With-Profits Fund, but the returns on these funds may differ from the returns on the With-Profits Fund due to the smoothing process used and differences in the asset mixes and the fund objectives.

Like traditional With-Profits Funds, these funds aim to provide a smoothed return. However PruFund Funds achieve this through Expected Growth Rates (EGR) and Unit Price Adjustments (UPA) rather than by payment of bonuses. We declare Expected Growth Rates each quarter which are set by the Prudential Directors having regard to the expected long-term investment returns on the assets of the Funds.

In certain circumstances we may suspend the smoothing process applicable to any PruFund Fund. If this happens, the unit price will increase or decrease daily in line with the value of the underlying investments.

You cannot choose to invest in a PruFund Fund if the member is aged 98 or over.

You cannot choose a PruFund Protected Fund with a guarantee term that ends on or after the member's 99th birthday.

Click here to see the PruFund funds we offer.

PruFund Cautious Fund - aims for steady and consistent growth through a cautious approach to investing. The Fund currently invests around 70% in a well diversified portfolio of fixed interest securities and holdings of cash and money market instruments. The balance is invested in UK and international shares, property and alternative assets.

PruFund Protected Cautious Fund - is the same fund as PruFund Cautious Fund, but includes a guarantee for an additional charge.

PruFund Growth Fund - aims to maximise growth over the medium to long term by investing in shares, property, fixed interest and other investments. The Fund currently invests in UK and international equities, property, fixed interest securities, index-linked securities and other specialist investments.

PruFund Protected Growth Fund - is the same fund as PruFund Growth Fund, but includes a guarantee for an additional charge.

PruFund 0-30 Fund - aims to achieve long-term total return (the combination of income and growth of capital). The Fund is actively managed, typically with a high exposure to lower risk assets such as fixed interest securities and holdings of cash and money market instruments with no more than 30% of the Fund being invested in equities.

PruFund 10-40 Fund - aims to achieve long-term total return (the combination of income and growth of capital). The Fund is actively managed, typically with a bias towards lower risk assets such as fixed interest securities and holdings of cash and money market instruments but will always have some exposure to equities, with between 10% and 40% of the Fund being invested in equities.

PruFund 20-55 Fund - aims to achieve long-term total return (the combination of income and growth of capital). The Fund is actively managed with a well diversified exposure to UK and international equities, property, fixed interest securities, index-linked securities and other specialist investments. From time to time, however, the Fund may have a relatively high exposure to equities and / or fixed income assets. Between 20% and 55% of the Fund will be invested in equities.

PruFund 40-80 Fund - aims to achieve long-term total return (the combination of income and growth of capital). It is an actively managed Fund with a well diversified exposure to UK and international equities, property, fixed interest securities, index-linked securities and other specialist investments. Typically the Fund will have a bias towards assets providing potential for growth such as equities, with between 40% and 80% of the Fund being invested in equities.

To find out more detail, see our guides on: