Prudence Bond

Your Prudence Bond, which was also known as the Prudence Managed Bond, a single premium investment bond that is designed to provide you with medium to long term capital growth. This product is no longer available to new customers.

You can add a top-up payment to your existing bond

You might be looking to:

  • Take a lump sum from your bond.
  • Make regular cash withdrawals.
  • Change the funds your bond's invested in.

If you’re considering any of these, please look at the links at the bottom of this page.

Some of your money might have been put into our With-Profits Fund, which invests in lower to medium risk investments. However, you might also be able to access other investments through the bond.

The value of your investment can go down as well as up so you might get back less than you put in. If you take more money from the plan than the amount your investment has grown by, the value of your investment will be less than you’ve put in.


  • You can take regular or one off withdrawals from your bond, subject to the terms and conditions of your bond. Please have a look at your Key Features Document for more information.

    Please note that certain withdrawals could be subject to charges or a Market Value Reduction. Any withdrawals, charges or Market Value Reductions have the effect of reducing your fund value. 

  • You can set the amount of regular withdrawals and choose how often you'd like to take them, within certain minimum and maximum levels.

    If you pay tax, your bond has a valuable tax benefit. This lets you to take out up to 5% of your investment each year from your plan for up to 20 years - free from any immediate tax liability. There might however be additional tax liability when you cash in your plan.

This is based on our understanding, of current taxation, legislation and HM Revenue & Customs practice, all of which are liable to change without notice. The impact of taxation (and any tax reliefs) depends on individual circumstances.

What will I get back?

This depends on many things including investment performance, which can go down as well as up, any withdrawals, features you choose, charges and any tax liability that might apply.

Topping up your investment

You can top-up your bond whenever you like. The minimum top-up amount and maximum investment levels vary depending on the bond version you have and the charge option.

If you'd like more information please see the Key Features Document that you received when you first started investing in your bond. The Key Features Document gives you important information regarding the key risks and benefits of the product to help you make a decision. If you'd prefer you can give us a call on 0345 640 1000 to find out more about top-up amounts and maximum levels before you make a top-up. We're open 8am to 6pm, Monday to Friday. We might record your call to make sure our service is up to standard.

Prudential has not given advice on this product, so if you're unsure of the suitability of the product, please seek financial advice.

If you'd like to go ahead with a top-up, complete a top-up application form and forward this, together with a cheque to Prudential, Lancing, BN15 8GB.

Review your Prudence Bond

By accessing MyPru, our secure online portal, you might be able to manage your enquiry yourself or alternately send us a secure email to deal with your query.

Within MyPru you can check the value of your policy, change personal details, view key documents and send us secure messages.

If you've not registered for MyPru registration only takes a few minutes, remember to have your policy number to hand - register for MyPru.

Alternatively, or for more information on changing investment funds or making withdrawals, you can call us on 0345 640 1000 (Mon-Fri 8am-6pm). We might record your call to make sure our service is up to standard.

We send you a statement each year, but you can also access an up-to date valuation at any time on MyPru.

Read more

Key Features - Read the Key Features document that you received when you first started investing in your bond
Prudence Bond top-up application form
Taxation of Bonds