PruFund range of funds - Expected Growth Rates and Unit Price Adjustments

The PruFund range of funds aim to grow your money over the medium to long term (5 to 10 years or more), while protecting you from some of the short-term ups and downs of direct stockmarket investments by using an established smoothing process. This means that while you won’t benefit from the full upside of any potential stockmarket rises you won’t suffer from the full effects of any downfalls either.

This section gives you information on how our smoothing process works, access to both historic and current Expected Growth Rates (EGRs) and details of any historic Unit Price Adjustments (UPA).

Select your product

Please choose one of the products below to display the relevant EGR and UPA information for the PruFund range of funds which it can be invested in.

The rates shown in the tables are correct as at 25 November 2019.

 

 

Flexible Retirement Plan

Fund

EGR

PruFund Risk Managed 1 Pension Fund

4.70% 

PruFund Risk Managed 2 Pension Fund

5.20%

PruFund Risk Managed 3 Pension Fund

5.70%

PruFund Risk Managed 4 Pension Fund

6.00%

PruFund Cautious Pension Fund

5.10%

PruFund Growth Pension Fund

5.90%

PruFund Protected Cautious Pension Fund

5.10%

PruFund Protected Growth Pension Fund

5.90%

From

 To

 EGR

 25/11/2011

 25/11/2012

 7.40%

 26/11/2012

 27/05/2013

 7.10%

28/05/2013 

 24/11/2014

6.90% 

 25/11/2014

24/02/2016

6.40% 

  25/02/2016

24/05/2016

6.30% 

 25/05/2016  24/08/2016 5.80% 
25/08/2016 24/05/2017 5.40%
25/05/2017 26/08/2019 5.10%
27/08/2019 Present 4.70%

From

 To

 EGR

25/11/2011

25/11/2012

7.80%

26/11/2012

27/05/2013

7.40%

28/05/2013 

26/05/2014

7.20% 

27/05/2014

24/11/2014

7.30% 

25/11/2014

24/02/2016

6.90% 

25/02/2016  24/05/2016 6.70% 
 25/05/2016 24/08/2016
6.10% 
25/08/2016 24/05/2017 5.70%
25/05/2017 26/08/2019 5.50%
27/08/2019 Present 5.20%

From

 To

 EGR

 25/11/2011

 25/11/2012

 8.00%

 26/11/2012

 27/05/2013

 7.70%

28/05/2013 

 26/05/2014

7.50% 

 27/05/2014

24/11/2014

7.60% 

 25/11/2014

24/02/2016

7.10%

 25/02/2016 24/05/2016 6.90% 
 25/05/2016 24/08/2016 6.40%
25/08/2016 26/08/2019 6.10%
27/08/2019 Present 5.70%

From

 To

 EGR

25/11/2011

25/11/2012

8.20%

26/11/2012

27/05/2013

7.90%

28/05/2013 

26/05/2014

7.80% 

27/05/2014

24/11/2014

7.90% 

25/11/2014

24/02/2016

7.40% 

  25/02/2016 24/05/2016 7.20% 
 25/05/2016 24/08/2016 6.70% 
25/08/2016 26/08/2019
6.30%
27/08/2019 Present 6.00%

From

 To

 EGR

 25/11/2009

 25/11/2012

 7.50%

 26/11/2012

 26/05/2014

 7.00%

27/05/2014 

 24/11/2014

7.20% 

 25/11/2014

24/02/2016

6.70% 

25/02/2016

24/05/2016

6.50% 

 25/05/2016 24/08/2016
6.00%
25/08/2016 26/08/2019 5.50%
27/08/2019 Present 5.10%

From

 To

 EGR

 25/11/2008

 25/11/2009

 8.00%

 26/11/2009

 25/11/2012

 7.90%

26/11/2012 

 26/05/2014

7.50% 

 27/05/2014

24/11/2014

7.70% 

 25/11/2014

24/02/2016

 7.30%

 25/02/2016  24/05/2016 7.10% 
 25/05/2016 24/08/2016
6.60%
25/08/2016 26/08/2019 6.20%
27/08/2019 Present 5.90%

From

 To

 EGR

25/11/2009

25/11/2012

7.50%

26/11/2012

26/05/2014

7.00%

27/05/2014

24/11/2014

7.20% 

25/11/2014

24/02/2016

6.70% 

  25/02/2016 24/05/2016  6.50%
25/05/2016  24/08/2016
6.00% 
25/08/2016 26/08/2019 5.50%
27/08/2019 Present 5.10%

From

 To

 EGR

 25/11/2008

 25/11/2009

 8.00%

 26/11/2009

 25/11/2012

 7.90%

26/11/2012 

 26/05/2014

7.50% 

 27/05/2014

 24/11/2014

7.70% 

 25/11/2014

24/02/2016

7.30% 

25/02/2016  24/05/2016  7.10% 
 25/05/2016 24/05/2016 6.60% 
25/08/2016 26/08/2019 6.20%
27/08/2019 Present 5.90%

Date

UPA

End or Mid term adjustment

28/08/2012

+2.75%

End

28/05/2013

+3.05%

End

26/11/2018 -3.40% End

Date

UPA

End or Mid term adjustment

27/02/2012

+3.41%

End

25/02/2013

+3.24%

End

Date

UPA

End or Mid term adjustment

27/02/2012

+4.21%

End

25/02/2013

+3.71%

End

26/08/2014

+2.60%

End

26/02/2016

-3.05% 

End 

27/02/2017 +3.10% End

Date

UPA

End or Mid term adjustment

27/02/2012

+7.81%

End

25/02/2013

+3.10%

End

25/02/2015

+2.61%

End

25/08/2015

-3.25%

End

27/02/2017

+4.51% End
25/05/2017 +2.80% End

Date

UPA

End or Mid term adjustment

28/05/2013

+3.16%

End

26/02/2016

-3.40% 

End 

25/08/2017

+2.57%

End

26/11/2018 -2.40% End

Date

 UPA

End or Mid term adjustment

25/02/2009

-2.55%

End

25/08/2009

+8.15%

End

25/11/2009

+3.55%

End

25/11/2010

+3.54%

End 

25/02/2011

+2.57%

End

26/05/2015 +2.79% End
26/02/2016   -2.68% End 
26/11/2016 +2.65%  End 
27/02/2017 +3.07% End

Date

UPA

End or Mid term adjustment

28/05/2013

+3.16%

End

26/02/2016

-3.40% 

End 

25/08/2017

+2.57%

End

26/11/2018 -2.40% End

Date

UPA

End or Mid term adjustment

25/02/2009

-2.55%

End

25/08/2009

+8.15%

End

25/11/2009

+3.55%

End 

25/11/2010

+3.54%

End 

25/02/2011

+2.57%

End 

 26/05/2015  +2.79% End 
 26/02/2016 -2.68%  End 
26/11/2016 +2.65%  End 
27/02/2017 +3.07% End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out. PruFund Protected Funds are currently closed to new investments.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

 

Prudential ISA

Fund

EGR

PruFund Risk Managed 1 Fund

4.70% 

PruFund Risk Managed 2 Fund

5.20%

PruFund Risk Managed 3 Fund

5.70%

PruFund Risk Managed 4 Fund

6.00%

PruFund Risk Managed 5 Fund 6.30%

PruFund Cautious Fund (advised basis only)

5.10%

PruFund Growth Fund (advised basis only)

5.90%

 From

 To

 EGR

26/02/2015

24/02/2016

 6.40%

 25/02/2016

24/05/201

 6.30%

 25/05/2016  24/08/2016  5.80%
25/08/2016 24/05/2017 5.40%
25/05/2017 26/08/2019 5.10%
27/08/2019 Present 4.70%

 From

 To

 EGR

26/02/2015

24/02/2016

6.90%

25/02/2016

24/05/2016

6.70%

25/05/2016  24/08/2016
6.10% 
25/08/2016  24/05/2017
5.70%
25/05/2017 26/08/2019 5.50%
27/08/2019 Present 5.20%

From

 To

 EGR

26/02/2015

24/02/2016

7.10%

  25/02/2016

24/05/2016

6.90% 

 25/05/2016

24/08/2016

6.40%
25/08/2016 26/08/2019 6.10%
27/08/2019 Present 5.70%

From

 To

 EGR

26/02/2015

24/02/2016

7.40%

25/02/2016 

24/05/2016

 7.20%

 25/05/2016  24/08/2016 6.70% 
25/08/2016 26/08/2019 6.30%
27/08/2019 Present 6.00%
From To EGR
28/05/2019 26/08/2019 6.50%
27/08/2019 Present 6.30%

From

 To

 EGR

26/02/2015

24/02/2016

6.70%

25/02/2016

24/05/2016

6.50% 

25/05/2016

 24/08/2016

6.00% 
25/08/2016 26/08/2019 5.50%
27/08/2019 Present 5.10%

From

 To

 EGR

26/02/2015

24/02/2016

7.30%

25/02/2016 

24/05/2016

7.10% 

 25/05/2016  24/08/2016 6.60%
25/08/2016 26/08/2019 6.20%
27/08/2019 Present 5.90%

Date

UPA

End or Mid term adjustment

26/11/2018

-3.40% 

End 

Date

UPA

End or Mid term adjustment

No values updated yet

Date

UPA

End or Mid term adjustment

26/02/2016

-3.05% 

End 

27/02/2017 +3.10% End

Date

UPA

End or Mid term adjustment

25/08/2015

-3.25%

End

27/02/2017

+4.51% End
25/05/2017 +2.80% End
Date UPA End or Mid term adjustment
No values updated yet

Date

UPA

End or Mid term adjustment

26/02/2016

-3.40% 

End 

25/08/2017 +2.57% End
26/11/2018 -2.40% End

Date

 UPA

End or Mid term adjustment

26/05/2015

+2.79%

End

26/02/2016

-2.68% 

End 

26/11/2016 +2.65% End 
27/02/2017 +3.07% End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

 

Prudential Investment Plan

Fund

EGR

PruFund Risk Managed 1 Fund

3.80% 

PruFund Risk Managed 2 Fund

4.30%

PruFund Risk Managed 3 Fund

4.60%

PruFund Risk Managed 4 Fund

5.00% 
PruFund Risk Managed 5 Fund  5.40% 

PruFund Cautious Fund

4.20%

PruFund Growth Fund

4.90%

PruFund Protected Cautious Fund

4.20%

PruFund Protected Growth Fund

4.90%

From

 To

 EGR

 25/11/2011

 25/11/2012

 6.00%

 26/11/2012

 27/05/2013

 5.70%

28/05/2013 

 24/11/2014

5.60% 

 25/11/2014

24/02/2016

5.20% 

25/02/2016

24/05/2016

5.10% 

 25/05/2016

 24/08/2016

4.70% 
 25/08/2016 24/05/2017 4.30%
25/05/2017 26/08/2019 4.10%
27/08/2019 Present 3.80%

From

 To

 EGR

25/11/2011

25/11/2012

6.40%

26/11/2012

27/05/2013

6.00%

28/05/2013 

26/05/2014

5.90% 

27/05/2014

4/11/2014

6.00% 

25/11/2014

24/02/2016

5.60% 

 25/02/2016 24/05/2016 5.40% 
 25/05/2016 24/08/2016 5.00%
 25/08/2016 24/05/2017 4.70%
25/05/2017 26/08/2019 4.50%
27/08/2019 Present 4.30%

From

 To

 EGR

 25/11/2011

 25/11/2012

 6.60%

 26/11/2012

 27/05/2013

 6.30%

28/05/2013 

 26/05/2014

6.10% 

 27/05/2014

24/11/2014

6.20% 

25/11/2014

24/02/2016

5.80%

25/02/2016 24/05/2016 5.70% 
25/05/2016 

24/08/2016

5.30%
25/08/2016 26/08/2019 5.00%
27/08/2019 Present 4.60%

From

 To

 EGR

25/11/2011

25/11/2012

6.70%

26/11/2012

27/05/2013

6.60%

28/05/2013 

26/05/2014

6.40% 

27/05/2014

24/11/2014

6.50% 

25/11/2014

24/02/2016

6.10% 

 25/02/2016

24/05/2016

5.90% 
 25/05/2016 24/08/2016 5.50% 
25/08/2016 26/08/2019 5.30%
27/08/2019 Present 5.00%

From

 To

 EGR

 26/11/2018

 26/08/2019

 5.60%

27/08/2019 Present 5.40%

From

 To

 EGR

 25/11/2009

 25/11/2012

 6.10%

 26/11/2012

 26/05/2014

 5.70%

27/05/2014 

 24/11/2014

5.80% 

 25/11/2014

24/02/2016

5.40% 

25/02/2016

24/05/2016

5.30% 

25/05/2016

24/08/2016

4.90%
25/08/2016 26/08/2019 4.50%
27/08/2019 Present 4.20%

From

 To

 EGR

 25/11/2008

 25/05/2009

 6.850%

 26/05/2009

 25/11/2009

6.70%

 26/11/2009

 25/11/2012

6.60%

26/11/2012 

 26/05/2014

6.20% 

 27/05/2014

24/11/2014

6.40% 

 25/11/2014

24/02/2016 

6.00%

 25/02/2016

24/05/2016

5.90% 
25/05/2016

24/08/2016

5.50% 
25/08/2016 26/08/2019 5.10%
27/08/2019 Present 4.90%

From

 To

 EGR

25/08/2009

25/11/2012

6.10%

26/11/2012

26/05/2014

5.70%

27/05/2014

24/11/2014

5.80% 

25/11/2014

24/02/2016

5.40% 

25/02/2016

24/05/2016

5.30% 

 25/05/2016

24/08/2016

4.90%
25/08/2016 26/08/2019 4.50%
27/08/2019 Present 4.20%

From

 To

 EGR

25/11/2008

25/05/2009

6.85%

26/05/2009

25/11/2009 

6.70% 

26/11/2009

25/11/2012

6.60%

26/11/2012 

26/05/2014

6.20% 

27/05/2014

24/11/2014

6.40% 

25/11/2014

24/02/2016 

6.00% 

25/02/2016 24/05/2016 5.90% 
25/05/2016 24/08/2016 5.50%
25/08/2016 26/08/2019 5.10%
27/08/2019 Present 4.90%

Date

UPA

End or Mid term adjustment

25/02/2013

+3.22%

End

Date

UPA

End or Mid term adjustment

27/02/2012

+2.76%

End

25/02/2013

+2.72%

End

Date

UPA

End or Mid term adjustment

27/02/2012

+3.44%

End

25/02/2013

+3.25%

End

25/02/2015

+2.51%

End

Date

UPA

End or Mid term adjustment

27/02/2012

+4.27%

End

25/02/2013

+3.89%

End

28/05/2013

+2.61%

End

27/02/2017

+3.32%

End

27/11/2017

+2.74%

End

No values updated yet 

Date

UPA

End or Mid term adjustment

25/08/2010

+2.78%

End

 25/02/2013

+2.56% 

End 

Date

 UPA

End or Mid term adjustment

25/02/2009

-4.00%

End

25/08/2009

+3.26%

End

25/11/2009

+3.54%

End

25/11/2010

+3.86%

End 

25/02/2011

+2.63%

End

25/02/2015 +2.69% End
27/02/2017 3.18% End

 

Date

UPA

End or Mid term adjustment

25/08/2010

+2.78%

End

 25/02/2013

+2.56% 

End 

Date

UPA

End or Mid term adjustment

25/02/2009

-4.00%

End

25/08/2009

+3.26%

End

25/11/2009

+3.54%

End 

25/11/2010

+3.86%

End 

25/02/2011

+2.63%

End 

25/02/2015  +2.69% End 
27/02/2017 3.18% End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

 

Flexible Investment Plan

Fund

EGR

PruFund Risk Managed 1 Fund

3.80% 

PruFund Risk Managed 2 Fund

4.30%

PruFund Risk Managed 3 Fund

4.60%

PruFund Risk Managed 4 Fund

5.00%

PruFund Cautious Fund

4.20%

PruFund Growth Fund

4.90%

PruFund Protected Cautious Fund

4.20%

PruFund Protected Growth Fund

4.90%

From

 To

 EGR

 25/11/2011

 25/11/2012

 6.00%

 26/11/2012

 27/05/2013

 5.70%

28/05/2013 

 24/11/2014

5.60% 

 25/11/2014

24/02/2016

5.20% 

25/02/2016 

24/05/2016

5.10% 

25/05/2016 

24/08/2016

4.70%
 25/08/2016 24/05/2017 4.30%
25/05/2017 26/08/2019 4.10%
27/08/2019 Present 3.80%

 From

 To

 EGR

25/11/2011

25/11/2012

6.40%

26/11/2012

27/05/2013

6.00%

28/05/2013 

26/05/2014

5.90% 

27/05/2014

4/11/2014

6.00% 

25/11/2014

24/02/2016

5.60% 

 25/02/2016 24/05/2016  5.40% 
25/05/2016 24/08/2016  5.00%
 25/08/2016 24/05/2017 4.70%
25/05/2017 26/08/2019 4.50%
27/08/2019 Present 4.30%

 From

 To

 EGR

 25/11/2011

 25/11/2012

 6.60%

 26/11/2012

 27/05/2013

 6.30%

28/05/2013 

 26/05/2014

6.10% 

 27/05/2014

24/11/2014

6.20% 

 25/11/2014

24/02/2016

5.80%

25/02/2016  24/05/2016 5.70% 
25/05/2016  24/08/2016  5.30%
25/08/2016 26/08/2019 5.00%
27/08/2019 Present 4.60%

 From

 To

 EGR

25/11/2011

25/11/2012

6.70%

26/11/2012

27/05/2013

6.60%

28/05/2013 

26/05/2014

6.40% 

27/05/2014

24/11/2014

6.50% 

25/11/2014

24/02/2016

6.10% 

25/02/2016  24/05/2016 5.90% 
25/05/2016  24/08/2016 5.50%
25/08/2016 26/08/2019 5.30%
27/08/2019 Present 5.00%

 From

 To

 EGR

 25/08/2009

 25/11/2012

 6.10%

 26/11/2012

 26/05/2014

 5.70%

27/05/2014 

 24/11/2014

5.80% 

 25/11/2014

24/02/2016

5.40% 

25/02/2016

24/05/2016

5.30% 

 25/05/2016 24/08/2016 4.90% 
25/08/2016 26/08/2019 4.50%
27/08/2019 Present 4.20%

From

 To

 EGR

 25/11/2008

 25/05/2009

 6.85%

 26/05/2009

 25/11/2009

6.70%

 26/11/2009

 25/11/2012

6.60%

26/11/2012 

 26/05/2014

6.20% 

 27/05/2014

24/11/2014

6.40% 

 25/11/2014

24/02/2016

6.00%

 25/02/2016 24/05/2016 5.90% 
25/05/2016

 24/08/2016

5.50%
25/08/2016 26/08/2019 5.10%
27/08/2019 Present 4.90%

 From

 To

 EGR

25/08/2009

25/11/2012

6.10%

26/11/2012

26/05/2014

5.70%

27/05/2014

24/11/2014

5.80% 

25/11/2014

24/02/2016

5.40% 

25/02/2016

24/05/2016

5.30% 

25/05/2016

 24/08/2016

4.90%
25/08/2016 26/08/2019 4.50%
27/08/2019 Present 4.20%

From

 To

 EGR

 25/11/2008

25/05/2009

6.85%

 26/05/2009

25/11/2009 

6.70% 

 26/11/2009

25/11/2012

6.60%

26/11/2012 

26/05/2014

6.20% 

 27/05/2014

24/11/2014

6.40% 

 25/11/2014

24/02/2016

6.00% 

 25/02/2016 24/05/2016 5.90% 
25/05/2016

24/08/2016

5.50%
25/08/2016 26/08/2019 5.10%
27/08/2019 Present 4.90%

Date

UPA

End or Mid term adjustment

25/02/2013

+3.22%

End

Date

UPA

End or Mid term adjustment

27/02/2012

+2.76%

End

25/02/2013

+2.72%

End

Date

UPA

End or Mid term adjustment

27/02/2012

+3.44%

End

25/02/2013

+3.25%

End

25/02/2015

+2.51%

End

Date

UPA

End or Mid term adjustment

27/02/2012

+4.27%

End

25/02/2013

+3.89%

End

25/08/2015

+2.61%

End

27/02/2017

+3.32%

End

27/11/2017

+2.74%

End

Date

UPA

End or Mid term adjustment

25/08/2010

+2.78%

End

 25/02/2013

+2.56% 

End 

Date

 UPA

End or Mid term adjustment

25/02/2009

-4.00%

End

25/08/2009

+3.26%

End

25/11/2009

+3.54%

End

25/11/2010

+3.86%

End 

25/02/2011

+2.63%

End

25/02/2015 +2.69% End
27/02/2017 3.18% End

 

Date

UPA

End or Mid term adjustment

25/08/2010

+2.78%

End

 25/02/2013

+2.56% 

End 

Date

UPA

End or Mid term adjustment

25/02/2009

-4.00%

End

25/08/2009

+3.26%

End

25/11/2009

+3.54%

End 

25/11/2010

+3.86%

End 

25/02/2011

+2.63%

End 

25/02/2015  +2.69% End 
27/02/2017 3.18% End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

 

Prudential International Investment Bond

Fund

EGR

PruFund Cautious (Euro) Fund (PIIB)

4.30% 

PruFund Cautious (Sterling) Fund (PIIB)

5.10%

PruFund Cautious (US Dollar) Fund (PIIB)

5.80%

PruFund Growth (Euro) Fund (PIIB)

5.00%

PruFund Growth (Sterling) Fund (PIIB)

5.90%

PruFund Growth (US Dollar) Fund (PIIB)

6.40%

PruFund Protected Cautious (Euro) Fund (PIIB)

4.30%

PruFund Protected Cautious (Sterling) Fund (PIIB)

5.10%

PruFund Protected Cautious (US Dollar) Fund (PIIB)

5.80%

PruFund Protected Growth (Euro) Fund (PIIB)

5.00%

PruFund Protected Growth (Sterling) Fund (PIIB)

5.90% 

PruFund Protected Growth (US Dollar) Fund (PIIB)

6.40%

 From

 To

 EGR

24/12/2012

24/11/2014

6.90%

25/11/2014

24/02/2016

5.90% 

25/02/2016  24/05/2016  5.70% 
 25/05/2016  24/08/2016 5.00% 
25/08/2016 26/08/2019 4.80%
27/08/2019 Present 4.30%

 From

 To

 EGR

24/12/2012

26/05/2014

7.00%

27/05/2014

24/11/2014

7.20%

25/11/2014

24/02/2016

6.70% 

25/02/2016

24/05/2016

6.50% 

 25/05/2016

24/08/2016

6.00% 
25/08/2016 26/08/2019 5.50%
27/08/2019 Present 5.10%

 From

 To

 EGR

24/12/2012

24/11/2014

6.90%

25/11/2014

24/02/2016

6.40%

 25/02/2016

24/05/2016

6.30% 

25/05/2016

24/08/2016

6.00%
25/08/2016 26/08/2019 6.00%
27/08/2019 Present 5.80%

 From

 To

 EGR

24/12/2012

25/08/2014

7.40%

26/08/2014

24/11/2014

7.60%

25/11/2014

24/02/2016

6.50% 

25/02/2016

24/05/2016

6.40% 

25/05/2016 

24/08/2016

5.60%

25/08/2016 26/08/2019 5.30%
27/08/2019 Present 5.00%

From

 To

 EGR

24/12/2012

 26/05/2014

7.50%

27/05/2014

 24/11/2014

7.70%

25/11/2014

24/02/2016

7.30% 

25/02/2016

24/05/2016 

7.10% 

25/05/2016

24/08/2016

6.60%

25/08/2016 26/08/2019 6.20%
27/08/2019 Present 5.90%

From

 To

 EGR

24/12/2012

26/05/2014

 7.40%

 27/05/2014

25/08/2014

7.50%

26/08/2014

24/11/2014

7.60%

25/11/2014

24/02/2016

7.20% 

25/02/2016

24/05/2016

7.00% 

25/05/2016 24/08/2016  6.60%
25/08/2016 26/08/2019 6.60%
27/08/2019 Present 6.40%

 From

 To

 EGR

24/12/2012

24/11/2014

6.90%

25/11/2014

24/02/2016

5.90% 

 25/02/2016 24/05/2016 5.70% 
 25/05/2016

 24/08/2016

5.00% 
25/08/2016 26/08/2019 4.80%
27/08/2019 Present 4.30%

From

 To

 EGR

24/12/2012

26/05/2014

7.00%

27/05/2014

24/11/2014

7.20%

25/11/2014

24/02/2016

6.70% 

25/02/2016

24/05/2016

6.50% 

25/05/2016  24/08/2016 6.00%
25/08/2016 26/08/2019 5.50%
27/08/2019 Present 5.10%

 From

 To

 EGR

24/12/2012

24/11/2014

 6.90%

25/11/2014

24/02/2016

 6.40%

25/02/2016

24/05/2016

6.30% 

25/05/2016

24/08/2016

6.00%

25/08/2016 26/08/2019 6.00%
27/08/2019 Present 5.80%

 From

 To

 EGR

24/12/2012

25/08/2014

7.40%

26/08/2014

24/11/2014

7.60%

25/11/2014

24/02/2016

6.50% 

25/02/2016

24/05/2016

6.40% 

25/05/2016

24/08/2016

5.60%

25/08/2016 26/08/2019 5.30%
27/08/2019 Present 5.00%

From

 To

 EGR

24/12/2012

 26/05/2014

7.50%

27/05/2014

 24/11/2014

7.70%

25/11/2014

24/02/2016

7.30% 

25/02/2016 

24/05/2016

7.10%

25/05/2016 24/08/2016 6.60% 
25/08/2016 26/08/2019 6.20%
27/08/2019 Present 5.90%

 From

 To

 EGR

24/12/2012

26/05/2014

 7.40%

 27/05/2014

25/08/2014

7.50%

26/08/2014

24/11/2014

7.60%

25/11/2014

24/02/2016

7.20%

25/02/2016

24/05/2016 

7.00%

25/05/2016  24/08/2016 6.60% 
25/08/2016 26/08/2019 6.60%
27/08/2019 Present 6.40%

Date

UPA

End or Mid term adjustment

28/05/2013

+3.80%

End

25/02/2015

+2.77%

End 

 26/02/2016 -4.35%  End 

Date

UPA

End or Mid term adjustment

28/05/2013

+3.16%

End

26/02/2016

-3.40% 

End 

25/08/2017

+2.57%

End

26/11/2018 -2.40% End

Date

UPA

End or Mid term adjustment

28/05/2013

+2.61%

End

25/08/2015

-3.78%

End

25/11/2015

-2.53% 

End 

26/11/2018 -2.02% End

Date

UPA

End or Mid term adjustment

28/05/2013

+3.91%

End

25/02/2015

+3.90%

End

25/08/2015

-2.70%

End

26/02/2016

-3.41% 

End 

27/02/2017 +3.72% End

Date

UPA

End or Mid term adjustment

26/05/2015

+2.73%

End

 26/02/2016 -2.68%  End 
26/11/2016 +2.65%  End 
27/02/2017 +3.07% End

Date

UPA

End or Mid term adjustment

28/05/2013

+2.85%

End

27/05/2014

+2.61%

End

15/02/2016

-8.25% 

Mid 

27/02/2017

+2.65%

End

25/05/2017

+3.03%

End

27/11/2017

+2.84%

End

26/11/2018 -3.14% End

Date

UPA

End or Mid term adjustment

28/05/2013

+3.80%

End

25/02/2015

+2.77%

End 

 26/02/2016 -4.35%  End 

Date

UPA

End or Mid term adjustment

28/05/2013

+3.16%

End

26/02/2016

-3.40% 

End 

25/08/2017

+2.57%

End

26/11/2018 -2.40% End

Date

UPA

End or Mid term adjustment

28/05/2013

+2.61%

End

25/08/2015

-3.78%

End

25/11/2015

-2.53% 

End 

26/11/2018 -2.02% End

Date

UPA

End or Mid term adjustment

28/05/2013

+3.91%

End

25/02/2015

+3.90%

End

25/08/2015

-2.70%

End

26/02/2016

-3.41% 

End 

27/02/2017 +3.72% End

Date

UPA

End or Mid term adjustment

26/05/2015

+2.73%

End

26/02/2016

-2.68%

 End

26/11/2016 +2.65% End 
27/02/2017 +3.07% End

Date

UPA

End or Mid term adjustment

28/05/2013

+2.85%

End

27/05/2014

+2.61%

End

15/02/2016

-8.25% 

Mid 

27/02/2017

+2.65%

End

25/05/2017

+3.03%

End

27/11/2017

+2.84%

End

26/11/2018 -3.14% End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

 

PruFund Investment Plan

Fund

EGR

PruFund Growth & Income Fund

4.60% 

PruFund Growth Fund (PFIP)

4.90%

From

To

EGR 

 25/11/2004

 25/02/2006

6.25%

 26/02/2006

 25/11/2009

6.40%

 26/11/2009

 25/11/2012

6.30%

 26/11/2012

 24/11/2014

5.90%

 25/11/2014

 24/02/2015

5.50%

 25/02/2015

 24/02/2016

5.70%

 25/02/2016

24/05/2016

5.60% 

 25/05/2016

24/08/2016

5.20%

25/08/2016 26/08/2019 4.80%
27/08/2019 Present 4.60%

From

To

EGR 

 25/11/2004

 25/02/2006

6.60%

 26/02/2006

 25/05/2009

6.85%

 26/05/2009

 25/11/2009

6.70%

 26/11/2009

25/11/2012

6.60% 

 26/11/2012

 26/05/2014

6.20%

 27/05/2014

 24/11/2015

6.40%

 25/11/2014

 24/02/2016

6.00%

 25/02/2016

24/05/2016

5.90% 

25/05/2016 

24/08/2016

5.50%

25/08/2016 26/08/2019 5.10%
27/08/2019 Present 4.90%

Date

UPA

End or Mid term adjustment 

25/08/2005

+2.60%

End

27/02/2006

+3.66%

End

26/02/2007

+2.75%

End

26/08/2008

-3.24%

End

08/10/2008

-9.30%

Mid

25/11/2008

-3.80%

End

25/02/2009

-4.02%

End

25/08/2009

 +3.25%

End

25/11/2009

 +3.62%

End 

25/08/2010

 +2.74%

End

25/02/2011

 +2.76%

End 

25/02/2013

 +2.62%

End 

25/11/2014

+2.50% 

End 

25/08/2017

+2.69%

End

Date

UPA

End or Mid term adjustment

25/08/2005

+3.18%

End

25/11/2005

+3.14%

End

27/02/2006

+3.42%

End

26/02/2007

+3.26%

End

26/08/2008

-3.96%

End

06/10/2008

-8.20%

Mid

23/11/2008

-8.26%

Mid

25/02/2009

-4.00%

End

25/08/2009

 +3.26%

 End

 25/11/2009

 +3.54%

 End

 25/11/2010

 +3.86%

 End

 25/02/2001

 +2.63%

 End

 25/02/2015

+2.69% 

 End

27/02/2017 3.18% End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

 

Pension Choices Plan

Fund

EGR

PruFund Risk Managed 1 Fund

4.70% 

PruFund Risk Managed 2 Fund

5.20%

PruFund Risk Managed 3 Fund

5.70%

PruFund Risk Managed 4 Fund

6.00%

 From

 To

 EGR

25/11/2011

25/11/2012

7.40%

 26/11/2012

27/05/2013 

7.10% 

28/08/2013

 24/11/2014

 6.90%

 25/11/2014

 24/02/2016

 6.40%

25/02/2016

24/05/2016

 6.30%

25/05/2016

24/08/2016

5.80%

 25/08/2016 24/05/2017 5.40%
25/05/2017 26/08/2019 5.10%
27/08/2019 Present 4.70%

From

 To

 EGR

25/11/2011

25/11/2012

7.80%

 26/11/2012

 27/05/2013

 7.40%

 28/05/2013

26/05/2014 

 7.20%

 27/05/2014

 24/11/2014

 7.30%

 25/11/2014

 24/02/2016

 6.90%

 25/02/2016

24/05/2016

 6.70%

25/05/2016

24/08/2016

6.10%

 25/08/2016 24/05/2017 5.70%
25/05/2017 26/08/2019 5.50%
27/08/2019 Present 5.20%

From

 To

 EGR

25/11/2011

25/11/2012

8.00%

 26/11/2012

 27/05/2013

 7.70%

 28/05/2013

 26/05/2014

 7.50%

 27/05/2014

 24/11/2014

 7.60%

 25/11/2014

 24/02/2016

 7.10%

 25/02/2016

24/05/2016 

6.90%

25/05/2016

 24/08/2016

6.40%

25/08/2016 26/08/2019 6.10%
27/08/2019 Present 5.70%

From

 To

 EGR

25/11/2011

25/11/2012

8.20%

 26/11/2012

 27/05/2013

 7.90%

 28/05/2013

 26/05/2014

 7.80%

 27/05/2014

 24/11/2014

 7.90%

 25/11/2014

 24/02/2016

 7.40%

 25/02/2016

24/05/2016

 7.20%

25/05/2016 

24/08/2016

 6.70%

25/08/2016 26/08/2019 6.30%
27/08/2019 Present 6.00%

Date

UPA

 End or Mid term adjustment

28/08/2012

+2.75%

End

28/05/2013

+3.05% 

End

26/11/2018 -3.40% End

Date

UPA

End or Mid term adjustment

27/02/2012

+3.41%

End

 25/02/2013

+3.24% 

End

Date

UPA

End or Mid term adjustment

27/02/2012

+4.21%

End

 25/02/2013

+3.71%

End

 26/08/2014

+2.60%

End

 26/02/2016

-3.05%

End

27/02/2017 +3.10% End

25/08/2015

UPA

End or Mid term adjustment

27/02/2017

+7.81%

End

25/02/2013

+3.10%

End

25/02/2015

+2.61%

End

25/08/2015

-3.25% 

End

27/02/2017

+4.51% End
25/05/2017 +2.80% End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

 

Trustee Investment Plan

Fund

EGR

PruFund Risk Managed 1 Pension Fund

4.70% 

PruFund Risk Managed 2 Pension Fund

5.20%

PruFund Risk Managed 3 Pension Fund

5.70%

PruFund Risk Managed 4 Pension Fund

6.00%

PruFund Cautious Pension Fund

5.10%

PruFund Growth Pension Fund

5.90%

PruFund Protected Cautious Pension Fund

5.10%

PruFund Protected Growth Pension Fund

5.90%

 From

 To

 EGR

 25/11/2008

 25/11/2009

 8.00%

 26/11/2009

 25/11/2012

 7.90%

26/11/2012 

 26/05/2014

7.50% 

 27/05/2014

24/11/2014

7.70% 

 25/11/2014

24/02/2016

 7.30%

 25/02/2016  24/05/2016 7.10% 
25/05/2016

24/08/2016

 6.60%
25/08/2016 26/08/2019 6.20%
27/08/2019 Present 5.90%

 From

 To

 EGR

 25/11/2008

 25/11/2009

 8.00%

 26/11/2009

 25/11/2012

 7.90%

26/11/2012 

 26/05/2014

7.50% 

 27/05/2014

 24/11/2014

7.70% 

 25/11/2014

24/02/2016

7.30% 

25/02/2016  24/05/2016 7.10% 
25/05/2016 24/08/2016 6.60% 
25/08/2016 26/08/2019 6.20%
27/08/2019 Present 5.90%

 From

 To

 EGR

 25/11/2009

 25/11/2012

 7.50%

 26/11/2012

 26/05/2014

 7.00%

27/05/2014 

 24/11/2014

7.20% 

 25/11/2014

24/02/2016

6.70% 

25/02/2016

24/05/2016

6.50% 

25/05/2016

24/08/2016

6.00%
25/08/2016 26/08/2019 5.50%
27/08/2019 Present 5.10%

From

 To

 EGR

25/11/2009

25/11/2012

7.50%

26/11/2012

26/05/2014

7.00%

27/05/2014

24/11/2014

7.20% 

25/11/2014

24/02/2016

6.70% 

  25/02/2016 24/05/2016 6.50%
25/05/2016 24/08/2016
6.00% 
25/08/2016 26/08/2019 5.50%
27/08/2019 Present 5.10%

 From

 To

 EGR

 25/11/2011

 25/11/2012

 7.40%

 26/11/2012

 27/05/2013

 7.10%

28/05/2013 

 24/11/2014

6.90% 

 25/11/2014

24/02/2016

6.40% 

  25/02/2016

24/05/2016

6.30% 

25/05/2016

24/08/2016

5.80%
25/08/2016 24/05/2017
5.40%
25/05/2017 26/08/2019 5.10%
27/08/2019 Present 4.70%

 From

 To

 EGR

25/11/2011

25/11/2012

7.80%

26/11/2012

27/05/2013

7.40%

28/05/2013 

26/05/2014

7.20% 

27/05/2014

24/11/2014

7.30% 

25/11/2014

24/02/2016

6.90% 

25/02/2016  24/05/2016 6.70% 
25/05/2016

 24/08/2016

6.10%
25/08/2016 24/05/2017
5.70%
25/05/2017 26/08/2019 5.50%
27/08/2019 Present 5.20%

 From

 To

 EGR

 25/11/2011

 25/11/2012

 8.00%

 26/11/2012

 27/05/2013

 7.70%

28/05/2013 

 26/05/2014

7.50% 

 27/05/2014

24/11/2014

7.60% 

 25/11/2014

24/02/2016

7.10%

 25/02/2016 24/05/2016 6.90% 
25/05/2016 24/08/2016 6.40% 
25/08/2016 26/08/2019 6.10%
27/08/2019 Present 5.70%

 From

 To

 EGR

25/11/2011

25/11/2012

8.20%

26/11/2012

27/05/2013

7.90%

28/05/2013 

26/05/2014

7.80% 

27/05/2014

24/11/2014

7.90% 

25/11/2014

24/02/2016

7.40% 

  25/02/2016 24/05/2016 7.20% 
25/05/2016 24/08/2016 6.70%
25/08/2016 26/08/2019 6.30%
27/08/2019 Present 6.00%

Date

 UPA

End or Mid term adjustment

25/02/2009

-2.55%

End

25/08/2009

+8.15%

End

25/11/2009

+3.55%

End

25/11/2010

+3.54%

End 

25/02/2011

+2.57%

End

26/05/2015 +2.79% End
26/02/2016   -2.68% End  
26/11/2016  +2.65%  End 
27/02/2017 +3.07% End

Date

UPA

End or Mid term adjustment

25/02/2009

-2.55%

End

25/08/2009

+8.15%

End

25/11/2009

+3.55%

End 

25/11/2010

+3.54%

End 

25/02/2011

+2.57%

End 

 26/05/2015  +2.79% End 
 26/02/2016 -2.68%  End 
26/11/2016 +2.65%  End 
27/02/2017 +3.07% End

Date

UPA

End or Mid term adjustment

28/05/2013

+3.16%

End

26/02/2016

-3.40% 

End 

25/08/2017

+2.57%

End

26/11/2018 -2.40% End

Date

UPA

End or Mid term adjustment

28/05/2013

+3.16%

End

26/02/2016

-3.40% 

End 

25/08/2017

+2.57%

End

26/11/2018 -2.40% End

Date

UPA

End or Mid term adjustment

28/05/2013

+3.16%

End

26/02/2016

-3.40% 

End 

26/11/2018 -3.40% End

Date

UPA

End or Mid term adjustment

27/02/2012

+3.41%

End

25/02/2013

+3.24%

End

Date

UPA

End or Mid term adjustment

27/02/2012

+4.21%

End

25/02/2013

+3.71%

End

26/08/2014

+2.60%

End

26/02/2016

-3.05% 

End 

27/02/2017 +3.10% End

Date

UPA

End or Mid term adjustment

27/02/2012

+7.81%

End

25/02/2013

+3.10%

End

25/02/2015

+2.61%

End

25/08/2015

-3.25%

End

27/02/2017

+4.51% End
25/05/2017 +2.80% End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

 

Prudential Retirement Account

Fund

EGR

PruFund Risk Managed 1 Pension Fund (RA) - Series D*

PruFund Risk Managed 1 Pension Fund (RA) - Series E*  

4.70%

4.70% 

PruFund Risk Managed 2 Pension Fund (RA) - Series D*

PruFund Risk Managed 2 Pension Fund (RA) - Series E*

5.20%

5.20% 

PruFund Risk Managed 3 Pension Fund (RA) - Series D*

PruFund Risk Managed 3 Pension Fund (RA) - Series E*

5.70%

5.70% 

PruFund Risk Managed 4 Pension Fund (RA) - Series D*

PruFund Risk Managed 4 Pension Fund (RA) - Series E*

6.00%

6.00% 

PruFund Risk Managed 5 Pension Fund (RA) - Series E* 6.30% 

PruFund Cautious Pension Fund (RA) - Series D*

PruFund Cautious Pension Fund (RA) - Series E*

5.10%

5.10% 

PruFund Growth Pension Fund (RA) - Series D*

PruFund Growth Pension Fund (RA) - Series E*

5.90%

5.90%

 

*Retirement Account - PruFund Series D & Series E

There are two series of PruFund within Retirement Account. Customers are invested as follows:

  • All investments made on or prior to 25 August 2017 – Series D
  • All investment made after 25 August 2017 (including fund switches and regular premium contributions) – Series E

Series D & E have different investment date cycles when money is moved from the holding account to the matching PruFund fund. These are outlined in the table below and you can read more in our Step by step guide to the PruFund smoothing process.

  Investment Date
Series D 25 Feb, 25 May, 25 Aug, 25 Nov
Series E 25th of every month

From

 To

 EGR

 01/08/2016

 24/08/2016

 5.80%

 25/08/2016

24/05/2017

 5.40%

25/05/2017 26/08/2019 5.10%
27/08/2019 Present 4.70%

From

To

EGR

28/08/2017

26/08/2019

5.10%

27/08/2019

Present

4.70%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.10%

 25/08/2016

 24/05/2017

 5.70%

25/05/2017 26/08/2019 5.50%
27/08/2019 Present 5.20%

From

To

EGR

28/08/2017

26/08/2019

5.50%

27/08/2019

Present

5.20%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.40%

 25/08/2016

 26/08/2019

 6.10%

27/08/2019 Present 5.70%

From

To

EGR

28/08/2017

26/08/2019

6.10%

27/08/2019

Present

5.70%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.70%

 25/08/2016

 26/08/2019

 6.30%

27/08/2019 Present 6.00%

From

To

EGR

28/08/2017

26/08/2019

6.30%

27/08/2019

Present

6.00%

From

 To

 EGR

 21/01/2019

 26/08/2019

 6.50%

27/08/2019 Present 6.30%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.00%

 25/08/2016

 26/08/2019

 5.50%

27/08/2019 Present 5.10%

From

To

EGR

21/01/2019

26/08/2019

5.50%

27/08/2019

Present

5.10%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.60%

 25/08/2016

 26/08/2019

 6.20%

27/08/2019 Present 5.90%

From

To

EGR

21/01/2019

26/08/2019

6.20%

27/08/2019

Present

5.90%

Date

UPA

End or Mid term adjustment

26/11/2018

-3.40%

End

Date

UPA

End or Mid term adjustment

26/11/2018

-2.48%

End

Date

UPA

End or Mid term adjustment

26/11/2018

-2.46%

End

Date

 UPA

End or Mid term adjustment

27/02/2017

+3.10%

End

Date

UPA

End or Mid term adjustment

26/11/2018

-2.57%

End

Date

 UPA

End or Mid term adjustment

27/02/2017

+4.50%

End

25/05/2017

+2.80% End

Date

 UPA

End or Mid term adjustment

25/10/2018

-2.51%

End

27/12/2018 -2.72% End

Date

 UPA

End or Mid term adjustment

27/08/2017

+2.57%

End

26/11/2018 -2.40% End

Date

 UPA

End or Mid term adjustment

26/11/2018

-2.94%

End

Date

 UPA

End or Mid term adjustment

26/11/2016

+2.65%

End

27/02/2017 +3.06% End

Date

UPA

End or Mid term adjustment

27/12/2018

-3.52%

End

Important information

The EGRs are set at each quarter and may be higher, the same, or lower than those applying at the start of the investment.

In addition, there may be times where the unit price may be adjusted which will impact the growth that you may receive. The value of an investment can go down as well as up and the value in the future may be less than the amount invested. For the range of PruFund funds, what you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, our charges, the smoothing process, if there is a guarantee and when you take your money out.

Please note that EGRs are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Please read the How we manage our With-Profits fund page for more information on how the EGRs and UPAs work.

We're not recommending one option over another or providing advice.

 

The PruFund range of funds are invested in the Prudential's With-Profits Fund. The PruFund funds have an established smoothing process which aims to provide you with some protection from the extreme short-term ups and downs of the markets.

Our established smoothing process has two elements:

  • Expected Growth Rates, which normally apply on a day-to-day basis.
  • Unit Price Adjustments, which will be applied when the process requires us to do so.

Prudential set Expected Growth Rates (EGR); these are the annualised rates your investment would normally change in line with. The EGRs reflect our view of how we think each PruFund fund will perform over the long-term (up to 15 years). Each PruFund fund has its own EGR and your investments into a PruFund will normally change on a daily basis in line with the relevant EGR.

The EGRs are reviewed every 3 months on the quarter date (25 February, 25 May, 25 August and 25 November or the next working day if the quarter date is a weekend or a public holiday) and may be higher, the same, or lower than they were at the start of your investment.

When you invest in one or more of the PruFund range of funds, your initial investment will purchase a number of units that you will hold in the fund or funds you choose to invest in. The initial price and number of units you purchase will depend on the unit price on the day you invest as well as the amount of money you invest with.

The Expected Growth Rates that are applied daily to the units that you hold within the fund or funds you choose will normally give you an indication of how your investment should increase over the quarter and are shown gross of all product charges including annual management charges.

Please note that they are not an indication of what you will get back over the long term as the value of your investment can go down as well as up and there is still the potential that you may not get back the amount you put in.

Although we use a long term view of performance to set EGRs, we also have to take into account the shorter-term performance. On a daily basis, if the shorter- term performance differs too much from our current Expected Growth Rate, we would have to amend the value of your fund up or down  to ensure we're not returning too much or too little. We call these Unit Price Adjustments.

We may decide to reset the smoothed price of a PruFund fund on a particular day, to protect the With-Profits Fund.

If we decide to reset, the smoothed price (also known as the unit price) of the affected fund would be adjusted to be the same value as the relevant unsmoothed price on that working day. That adjusted smoothed price would then continue to grow in line with the relevant Expected Growth Rate.

There may be occasions where we have to suspend the smoothing process for one or more PruFund funds for a period of consecutive days, to protect our With-Profits Fund. When this happens the smoothed price for the affected fund(s) is set to the unsmoothed price for each day until we reinstate the smoothing process.

Please read the Your With-Profits Plan - a guide to how we manage the Fund for further information on the PruFund range of funds.