The PruFund Range of Funds in a Prudential ISA
The PruFund Funds aim to give you a smoothed investment experience. They do this by investing in the Prudential With-Profits fund which has a broad range of investments. And by using a unique smoothing process, it aims to smooth some of the extreme short-term ups and downs of investment performance.
Designed to deliver a smoothed investment experience
Each PruFund aims to give you a smoothed investment experience. By investing in the Prudential With-Profits Fund which has a broad range of investments and by using a smoothing process unique to the PruFund range of funds, they aim to smooth some of the extreme short-term ups and downs of investment performance.
A spread of investments
One important benefit of the PruFund range of funds is they invest in a spread of different types of investments. This gives a greater opportunity to benefit from potential investment growth and avoids the risk of full exposure to lower performing investment types. Of course, this also means that you might not benefit from all of the investment growth of one of the strongly performing types of investment.
Current Expected Growth Rate after charges* 3.3% reviewed quarterly
As part of their unique smoothing process, Prudential sets Expected Growth Rates (EGRs), based on how they expect the assets of each PruFund to perform over the long term (up to 15 years). The rates are not guaranteed and are reviewed every 3 months in February, May, August and November, when they could rise or fall.
The EGR is the annualised rate at which your investment would normally grow. However, the smoothing process also requires Prudential to continually monitor the underlying fund performance and will make adjustments to your fund value, up or down, when necessary. Smoothing can also be suspended under certain circumstances.
Therefore, your fund value is not guaranteed, can go down as well as up and may even fall below the amount you invested.
*The rate shown is for the PruFund 0 – 30 fund, as at 25 May 2017, after the deduction of the ISA Annual Management Charge of 1.35% and the equivalent of 0.3% maximum initial Prudential Financial Planning advice charge for a 10 year investment. Other funds and advisers have different rates.
Available with advice from Prudential Financial Planning, "The Man from the Pru"
Prudential Financial Planning advisers are qualified and experienced in financial planning.
They can advise on a range of carefully selected products from Prudential and other providers, known as a restricted advice service. There is a charge for this advice service, which your adviser will discuss with you.
If you don’t already have a financial adviser, please complete the form below to set up a meeting.
The PruFund range of funds, provided by Prudential Assurance Company Ltd is available through the Prudential ISA - a Stocks & Shares ISA, provided by Capita Financial Investments Limited - which you should consider as a medium to long-term investment (5 to 10 years or more).
PruFund Range of Funds - A quick summary
Investing is essentially about balancing the investment risk you are comfortable with alongside the potential rewards you want to achieve. The rate shown above is from our PruFund 0-30 fund - to find out more information on the other funds we have, please find out more about our PruFund brochure.
Deposit accounts and cash ISAs can be secure places for your capital, but returns from these can be low. And at the other end of the scale, direct investment (in equities, property and other investment types) can provide higher returns but with higher risks.
Investing in PruFund through a stocks and shares ISA can provide you with the potential for investment growth and fewer short-term highs and lows than would typically be experienced with direct investment. Here’s a summary of the PruFund range of funds:
- The PruFund range of funds is designed to suit different client’s attitudes to risk and reward, and for those wishing to invest for 5 to 10 years or more.
- The potential for growth, but with lower risk than buying equities in a single company. Please remember that the value of an investment can go down as well as up and you may get back less than was invested.
- Each PruFund uses a unique smoothing process which aims to smooth some of the extreme short-term highs and lows of investment performance. Smoothing can be suspended in certain circumstances.
- Access to a wide range of investments – including some which individual investors may not be able to access.
- Economies of scale – investment costs are spread over many investors
- Actively managed by skilled investment experts – Prudential Portfolio Management Group
Set-up your review meeting
If you don't already have a financial adviser, arrange a meeting with The Man from the Pru by completing our online for below. You can also call us on 0800 434 6630 between 9am to 5pm Monday to Friday.
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"Prudential" is a trading name of Prudential Financial Planning Limited. Prudential Financial Planning Limited is registered in England and Wales. Registered office at Laurence Pountney Hill, London EC4R 0HH. Registered number 5739054. Authorised and regulated by the Financial Conduct Authority.
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