Prudential International

Prudential International, which is based in Dublin, is part of the Prudential Group and provides a tax-efficient environment where investments can grow largely tax-free.

We have developed flexible and innovative products that can help with a wide range of financial planning needs, including investment, protection and inheritance tax planning.

Your investments with Prudential International have the potential to grow faster than one in a taxed fund. Find out more about the tax benefits of investing in offshore bonds.

We offer the following offshore investment bonds

International Prudence Bond

• Minimum initial investment of £20,000. Top-up facility of £15,000.
• A wide choice of risk-graded funds from Prudential and other leading fund managers, including five Dynamic Portfolios, three PAC With-Profits Funds, the PruFund Range of Funds, Prudential's Multi-Asset Fund Range and Additional Fund Choice. Find out more about the latest PruFund Expected Growth Rates.
• Funds denominated in euro and US dollars as well as sterling, so you can choose which currency best suits you.
• An annual loyalty bonus from year one, when you don't make any regular or partial withdrawals.

Portfolio Account

A portfolio bond which offers:

• The opportunity to select from over 2,500 funds from the Full Market Fund Choice, the PruSelect fund range and five Dynamic Portfolios.
• Preferential terms on a large number of funds, which help to add value.
• The facility to appoint a professional fund adviser or a discretionary asset manager.
• A choice of investment currencies, to suit your particular circumstances.

We also offer the following protection products.

Flexible Protection Bond

• A single premium bond offering whole of life cover with a range of investment choices and other options.
• Choice of investment funds - up to 10 funds can be chosen at a time, with 20 free switches a year.
• Choice of life cover - this can be an amount you choose, an amount based on a premium you choose, or your chosen percentage of the cash-in value of the bond and you can select a single or joint life basis.
• Special event options - to increase cover without medical evidence on marriage or civil partnership, childbirth or adoption.
• Currency options for premium payments, for withdrawals, and for the death benefit.

Flexible Life Plan

• A regular premium whole of life plan with a number of added options and facilities.
• Choice of life cover - standard or maximum, on a single or joint life basis.
• Special event options - to increase cover without medical evidence on marriage or civil partnership, childbirth or adoption.
• Automatic increase options - cover increasing by either 5% a year, or the higher of the increase in the UK Average Weekly Earnings index and 7.5% a year.
• Choice of investment funds - up to 10 funds can be chosen at a time and you can have 20 free switches a year.
• Currency options for premium payments and for the death benefit.

This is based on our understanding, as at March 2011, of current taxation, legislation and HM Revenue & Customs practice, all of which may change without notice. The impact of taxation (and any tax relief) depends on individual circumstances.

Offshore is a common term that is used to describe a range of locations where companies can offer customers growth on their funds that is largely free from tax. This includes "true offshore" locations such as the Channel Islands and Isle of Man, and other locations such as Dublin - where Prudential International is registered. Tax treatment can vary from one type of investment to another, and from one market to another.

Please note that the value of your fund may fluctuate and you may not get back your original investment.

Changes in the rates of exchange between currencies may cause your investment to go up or down.

Is investing with Prudential International right for me?

• Looking for long-term growth potential.
• A higher or additional rate taxpayer likely to become a basic rate taxpayer in the future.
• Self-employed, a UK resident expatriate or a trustee.
• Looking to move to another country in the future - although you don't have to live abroad to benefit.