The multi-asset advantage – you don’t put all your eggs in one basket
Our funds spread your money across a range of different types of investment. That might be a mixture of shares, property, bonds and cash. This is known as a multi-asset approach.
By spreading your money this way, it helps reduce the risk. For example, one year an asset may be performing well and another may be underperforming. If your investment is spread across both of these assets, over time the returns are more likely to be consistent than a fund which only invests in one type of asset.
As with any investment the value can go down as well as up and you may not get back the amount you put in.
Our range of funds could help you get a foot on the investment ladder
Our advisers can recommend the right fund for you. They will talk to you to understand exactly what you need - including the risk you want to take and the returns you want to aim for, recommending a suitable fund from our range to match your particular needs.
Our fund range includes:
For those looking for cost effective investment
These can be a cost-effective way of investing.
Normally passive funds simply track a chosen index such as the FTSE100*. They don't have a fund manager or investment team making decisions on where they are invested.
Our range of passive funds invest in a number of different asset classes. so you'll benefit from spreading the risk. Our investment experts will decide which asset classes to invest in.
*FTSE International Limited (*FTSE) ©FTSE. "FTSE®" is a trade mark of the London Stock Exchange Group companies and is used by FTSE International Limited under license.
For those looking for more potential for growth
These invest in a broader range of assets than our passive funds so you have more potential for growth, as well as benefitting from spreading the risk.
These funds are actively managed, which means a fund manager uses their expertise, experience, and judgement to decide where, when and how much to invest.
This active management means these are more expensive to invest in than our passive funds.
For those who want more diversification plus some added protection
We offer a range of PruFund funds which are invested in the Prudential With-Profits Fund. This fund is very well diversified, offering potential for higher returns. The aim is to grow your money, while giving you a smoothed investment experience over the medium to long term (which is 5-10 years or more). As with any investment the value can go down as well as up and you may not get back the amount you put in.
Smoothing gives you some protection from short-term peaks and troughs associated with the stock market. Because of this the PruFund funds are more expensive than the passive and active funds.
For more information watch our PruFund video.
For those who want the certainty of a guarantee
You can choose to guarantee the value of your capital or a minimum income from your investment. These are only available on certain funds , which your adviser will discuss with you if appropriate.
As you benefit from additional guarantees, these funds are our most expensive option.