Regular and Annual Bonuses
On this page you'll find the Regular and Annual Bonuses that have been added to our range of With-Profits investments from 1 April 2020 (unless otherwise stated below).
These rates don't include any Final/Terminal or Additional Bonuses that may apply. Please see the relevant Key Features Document for more information on how the bonus is applied.
We can’t predict the future. Past performance isn't a guide to 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 can't be guaranteed.
Full terms and conditions of all products are available on request from Prudential, Lancing, BN15 8GB.
Savings & Investments
| Product | 2020 (%) | 2019 (%) | 2018 (%) |
|---|---|---|---|
| Prudential Investment Plan, Flexible Investment Plan and Prudence Bond (Optimum Return) both No Initial Charge and Initial Charge versions (bonuses added from 1st March 2020) |
1.50 | 1.50 | 1.50 |
| Prudential Investment Plan, Flexible Investment Plan and Prudence Bond (Optimum Bonus) both No Initial Charge and Initial Charge versions (bonuses added from 1st March 2020) |
2.00 | 2.00 | 2.00 |
| Prudence Prospects Bond (Optimum Return) (bonuses added from 1st March 2020) |
1.10 | 1.10 | 1.10 |
| Prudence Prospects Bond (Optimum Bonus) (bonuses added from 1st March 2020) |
1.60 | 1.60 | 1.60 |
| Prudential International Investment Bond (Sterling Fund) (bonuses added from 1 March 2020) |
2.00 | 2.00 | 2.00 |
| Prudential International Investment Bond (Euro Fund) (bonuses added from 1 March 2020) |
1.50 | 1.50 | 1.50 |
| Prudential International Investment Bond (US$ Fund) (bonuses added from 1 March 2020) |
1.50 | 1.50 | 1.50 |
| International Prudence Bond (Sterling Fund) (bonuses added from 1st March 2020) |
2.00 | 2.00 | 2.00 |
| International Prudence Bond (Euro Fund) (bonuses added from 1st March 2020) |
1.50 | 1.50 | 1.50 |
| International Prudence Bond (US$ Fund) (bonuses added from 1st March 2020) |
1.50 | 1.50 | 1.50 |
| PSA / PIB (bonuses added from 1st March 2020) |
|||
| - Fund (£6,000 and over) |
1.50 | 1.50 | 1.50 |
| - Fund (under £6,000) |
0.50 | 0.50 | 0.50 |
| Prudential OB Life1 |
1.00/2.00 | 1.00/2.00 | 1.00/2.00 |
1 Where 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.
Pensions
| Product | 2020 (%) | 2019 (%) | 2018 (%) |
|---|---|---|---|
| Personal Pensions (including Trustee Investment Plan - Series A for business sold between 01/01/2003 and 06/11/2011) 4 |
1.50 | 1.50 | 1.50 |
| Prudential Personal Retirement Plan 1 |
0.10/0.25 | 0.10/0.25 | 0.10/0.25 |
| Flexible Retirement Plan (pre 07/11/11) 6 |
1.25 | 1.25 | 1.25 |
| Flexible Retirement Plan and Trustee Investment Plan - Series A (post 07/11/11) |
1.05 | 1.05 | 1.05 |
1 Where 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.
4 This category applies to all Capsil and OPAL personal pensions. It also applies to Prudential Series A and Premier Plans (including TIP Series A) written on or after 01/01/2003.
6 Only applies to business sold prior to 07/11/11.
Retirement Income
| Product | 2020 (%) | 2019 (%) | 2018 (%) |
|---|---|---|---|
| With-Profits Pension Annuity (bonuses added from 6th April 2020) |
0.25 | 0.25 | 0.25 |
| Former Equitable Life With-Profits Annuity |
0.00 | 0.00 | 0.00 |
| Flexible Lifetime Annuity & Flexible Income Drawdown Plan (bonuses added from 6th April 2020) |
0.25 | 0.25 | 0.25 |
Corporate Pensions
| Product | 2020 (%) | 2019 (%) | 2018 (%) |
|---|---|---|---|
| Additional Voluntary Contributions (AVC) Cash Accumulation7 (bonuses added from 15th March 2020) | 1.25 | 1.25 | 1.25 |
| Additional Voluntary Contributions (AVC) Cash Accumulation Series 2 (bonuses added from 15th March 2020) | 1.25 | 1.25 | n/a |
| Defined Contribution (DC) Cash Accumulation7 (bonuses added from 15th March 2020) | 1.25 | 1.25 | 1.25 |
| Defined Benefit (DB) Cash Accumulation7 (bonuses added from 15th March 2020) | 0.75 | 0.75 | 0.75 |
| Unitised Group Pensions2 (bonuses added from 6th April 2020) | 1.75 | 1.75 | 1.75 |
| Exempt With-Profits Fund 11A (Pru Bulk S32 or Pru Company Transfer Plan (bonuses added from 1 April 2020) |
1.50 | 1.50 | 1.50 |
| Exempt With-Profits Fund 11B (Pru Bulk S32 or Pru Company Transfer Plan (bonuses added from 1 April 2020) |
1.25 | 1.25 | 1.25 |
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 1.25%
7 Subject to a guarantee of 4.75% or 2.5% for certain earlier business.
Scottish Amicable Life Assurance Society policies
| product | 2020 (%) | 2019 (%) | 2018 (%) |
|---|---|---|---|
| Flexipension (1st series)1 |
0.10/0.25 | 0.10/0.25 | 0.10/0.25 |
| Superannuation (2nd series)1 |
0.10/0.25 | 0.10/0.25 | 0.10/0.25 |
| Principal1 |
0.70/1.25 |
0.70/1.25 | 0.70/1.25 |
| Group Pensions |
0.25 | 0.25 | 0.25 |
| Flexidowment (2nd series)1 |
0.60/1.45 | 0.60/1.45 | 0.60/1.45 |
| Home Purchaser 2 & 3, and Amicable Savings Plan (Net With-Profits Fund 1)3 |
1.50/1.50 | 1.50/1.50 | 1.50/1.50 |
1 Where 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.
3 Where two rates are given, the first bonus rate applies to the basic units and the second bonus rate applies to the bonus units.
| Product | 2020 | 2020 | 2019 | 2019 |
|---|---|---|---|---|
| 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 | 4.0 |
| Exempt With-Profits Funds 2 |
4.00 | 4.00 | 4.00 | 4.0 |
| Exempt With-Profits Funds 3 |
1.50 | 1.50 | 1.50 | 1.50 |
| Exempt With-Profits Funds 3a |
4.00 | 1.50 | 4.00 | 1.50 |
| Exempt With-Profits Funds 3b |
4.00 | 1.50 | 4.00 | 1.50 |
| Exempt With-Profits Funds 4 |
4.00 | 1.50 | 4.00 | 1.50 |
| product | 2020 (%) | 2019 (%) | 2018 (%) |
|---|---|---|---|
| Ex-Scottish Amicable Life (Ex-SAL) Life policies (Net With-Profits Fund 2)3 |
1.25/1.25 | 1.25/1.25 | 1.25/1.25 |
| Pensions With-Profits Funds (series 5&6) (including Trustee Investment Plan (1997)) |
1.625 | 1.625 | 1.625 |
| Pensions With-Profits Funds (series 7&8 (including Trustee Investment Plan - Series A)5 |
1.50 | 1.50 | 1.50 |
3 Where two rates are given, the first bonus rate applies to the basic units and the second bonus rate applies to the bonus units.
5 This 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.