Products
Learn about our products. The value of an investment can go down as well as up and your client may not get back what they paid in.
Pensions and retirement products
Retirement Account
A flexible personal pension which allows your client to save through single or regular payments, make transfers from other pensions, and access benefits flexibly.
- Self-Invested Personal Pension
- Tax efficient
- Wide range of investment options
- Death benefits
- Full online solution for clients
- Flexible Adviser Charging options
Trustee Investment Plan
Single premium investment for trustees of UK registered Occupational Pension or Self-Invested Personal Plan (SIPP) schemes.
- Multi-Asset Fund and guarantee options
- Investment term flexibility
- Full, partial and regular withdrawals
- Free Fund Switching
- Fund Size Discounts
Investments products
Prudential Investment Plan
The Prudential Investment Plan is a single premium investment bond that allows your clients to invest in a wide range of funds.
- Access to our Multi-Asset Fund range
- Full, partial and regular withdrawals
- Flexible access to the investment
- Free Fund Switching
- Tax-efficient withdrawals
- Annual Management Charge discounts
Prudential ISA
The Prudential ISA, provided by Link Financial Investments Ltd, combines tax-efficient investment with access to the PruFund funds and Open-Ended Investment Company (OEIC) funds.
- Tax-efficient growth
- Access PruFund range of funds
- Invest in a range of OEIC funds
- Full, partial and regular withdrawals
- Low minimum investment
- No fixed term
Prudential International Investment Bond
The Prudential International Investment Bond has the potential for good returns while minimising any tax liability.
- Tax advantages of a Dublin-based bond
- Wide choice of risk-based funds
- Full, partial and regular withdrawals
- Guarantees available
- Choice of currency options
- Inheritance Tax planning options
Prudential International Investment Portfolio
The Prudential International Investment Portfolio offers your clients a wide range of investment choices, combined with international taxation benefits.
- Wide choice of funds
- Tax advantages of a Dublin-based bond
- Tax-efficient products
- Full, partial and regular withdrawals
- Three flexible charging options
Prudence Inheritance Bond
The Prudence Inheritance Bond is a discounted gift plan with the potential to reduce your clients' liability to Inheritance Tax and offers the opportunity for gifted capital to grow while they take income.
- Potential to reduce estate value for Inheritance Tax purposes
- Potential Income Tax benefits
- A natural income stream
- Tax-efficient withdrawals
- Tax-efficiency on death
- Opportunity for long-term capital growth
OEIC Fund Range
The Open Ended Investment Company (OEIC) range of funds, operated by Link Fund Solutions Limited, offers your clients access to funds that invest in a range of different asset types and risk appetites to help meet their needs.
- Choose from 10 OEIC funds
- Switch funds at any time
- Invest from £500 lump sum and/or £50 each month
- Free withdrawals
Prudential Onshore Portfolio Bond
The Prudential Onshore Portfolio Bond combines the advantages of a wide choice of assets from a platform with the taxation and trust benefits of an onshore bond.
- Comprehensive investment choice
- Inheritance Tax planning options
- Tax benefits
- Trust planning
- Investment flexibility of a platform
Estate planning products
Discounted Gift Trust
Our Discounted Gift Trust allows your client to put a lump sum into trust for their beneficiaries while retaining the right to regular payments.
- Maintain a right to regular payments
- Capital for beneficiaries after your client's death
- Potential to reduce Inheritance Tax liability
- Choice of investment bonds
- Single or joint settlor arrangements
Loan Trust
Our Loan Trust allows your client to access a capital sum, while any growth on their investment is outside of their estate.
- Access original capital at any time
- Growth immediately outside estate
- Four investment options
Gift Trust
Our Gift Trust provides an Inheritance Tax planning solution for clients who want to make an outright gift in a tax-efficient way.
- Tax-efficient
- Choice of trusts
- Choice of four investment products
- Probate planning
Excluded Property Trust
Our Excluded Property Trust provides a way of protecting offshore bond investments or UK OEICs from Inheritance Tax liabilities if your clients are UK residents but not currently UK domiciled or treated as UK domiciled.
- Choice of two Prudential International bonds
- Option to take tax-efficient withdrawals from the trust
- Can reduce Inheritance Tax liability for beneficiaries
- Full control over investments
Probate Trust
The Probate Trust allows your client to grant their beneficiaries quick access to the bond following their death.
- Probate planning
- Quick access to funds after death
- Your client can access the bond throughout their lifetime
Oracle publications
Read the latest and past issues of Oracle Technical and Oracle Quarterly for insights into the world of financial planning regulation, legislation and business development.