PruFund range of funds

The PruFund range of funds aims to grow your money over the medium to long term, so anywhere between five to 10 years, whilst protecting you from some of the ups and downs of direct stock market investments by using a unique smoothing formula.

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 are correct as at 25 May 2017.

 

Flexible Retirement Plan

Fund

EGR

PruFund 0-30 Pension Fund

5.10% 

PruFund 10-40 Pension Fund

5.50%

PruFund 20-55 Pension Fund

6.10%

PruFund 40-80 Pension Fund

6.30%

PruFund Cautious Pension Fund

5.50%

PruFund Growth Pension Fund

6.20%

PruFund Protected Cautious Pension Fund

5.50%

PruFund Protected Growth Pension Fund

6.20%

 

 

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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

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 Present 5.10%

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 Present 5.50%

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 Present 6.10%

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 Present
6.30%

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 Present 5.50%

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 Present 6.20%

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 Present 5.50%

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 Present 6.20%

Date

UPA

End or Mid term adjustment

28/08/2012

+2.75%

End

28/05/2013

+3.05%

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 

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 

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

 

Prudential ISA

Fund

EGR

PruFund 0-30 Fund

5.10% 

PruFund 10-40 Fund

5.50%

PruFund 20-55 Fund

6.10%

PruFund 40-80 Fund

6.30%

PruFund Cautious Fund (advised basis only)

5.50%

PruFund Growth Fund (advised basis only)

6.20%

 

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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

 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 Present 5.10%

 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 Present 5.50%

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 Present 6.10%

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 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 Present 5.50%

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 Present 6.20%

Date

UPA

End or Mid term adjustment

No values updated yet

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

26/02/2016

 -3.40%

 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

 

Prudential Investment Plan

Fund

EGR

PruFund 0-30 Fund

4.10% 

PruFund 10-40 Fund

4.50%

PruFund 20-55 Fund

5.00%

PruFund 40-80 Fund

5.30%

PruFund Cautious Fund

4.50%

PruFund Growth Fund

5.10%

PruFund Protected Cautious Fund

4.50%

PruFund Protected Growth Fund

5.10%

 

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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

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 Present 4.10%

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 Present 4.50%

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 Present 5.00%

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 Present 5.30%

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 Present 4.50%

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 Present 5.10%

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 Present 4.50%

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 Present 5.10%

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

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

 

Flexible Investment Plan

Fund

EGR

PruFund 0-30 Fund

4.10% 

PruFund 10-40 Fund

4.50%

PruFund 20-55 Fund

5.00%

PruFund 40-80 Fund

5.30%

PruFund Cautious Fund

4.50%

PruFund Growth Fund

5.10%

PruFund Protected Cautious Fund

4.50%

PruFund Protected Growth Fund

5.10%

 

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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

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 Present 4.10%

 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 Present 4.50%

 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 Present 5.00%

 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 Present 5.30%

 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 Present 4.50%

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 Present 5.10%

 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 Present 4.50%

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 Present 5.10%

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

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

 

Prudential International Investment Bond

Fund

EGR

PruFund Cautious (Euro) Fund (PIIB)

4.80% 

PruFund Cautious (Sterling) Fund (PIIB)

5.50%

PruFund Cautious (US Dollar) Fund (PIIB)

6.00%

PruFund Growth (Euro) Fund (PIIB)

5.30%

PruFund Growth (Sterling) Fund (PIIB)

6.20%

PruFund Growth (US Dollar) Fund (PIIB)

6.60%

PruFund Protected Cautious (Euro) Fund (PIIB)

4.80%

PruFund Protected Cautious (Sterling) Fund (PIIB)

5.50%

PruFund Protected Cautious (US Dollar) Fund (PIIB)

6.00%

PruFund Protected Growth (Euro) Fund (PIIB)

5.30%

PruFund Protected Growth (Sterling) Fund (PIIB)

6.20% 

PruFund Protected Growth (US Dollar) Fund (PIIB)

6.60%

 

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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

 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 Present 4.80%

 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 Present 5.50%

 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 Present 6.00%

 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 Present 5.30%

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 Present 6.20%

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 Present 6.60%

 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 Present 4.80%

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 Present 5.50%

 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 Present 6.00%

 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 Present 5.30%

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 Present 6.20%

 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 Present 6.60%

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 

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 

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

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 

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 

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

 

PruFund Investment Plan

Fund

EGR

PruFund Growth & Income Fund

4.80% 

PruFund Growth Fund (PFIP)

5.10%

 

Important information

The PruFund Investment plan was closed to new business with effect from 3 August 2009. 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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

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 Present 4.80%

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 Present 5.10%

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 

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

 

Pension Choices Plan

Fund

EGR

Prudential PruFund 0-30

5.10% 

Prudential PruFund 10-40

5.50%

Prudential PruFund 20-55

6.10%

Prudential PruFund 40-80

6.30%

 

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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

 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 Present 5.10%

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 Present 5.50%

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 Present 6.10%

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 Present 6.30%

Date

UPA

 End or Mid term adjustment

28/08/2012

+2.75%

End

28/05/2013

+3.05% 

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

 

Trustee Investment Plan

Fund

EGR

PruFund 0-30 Pension Fund

5.10% 

PruFund 10-40 Pension Fund

5.50%

PruFund 20-55 Pension Fund

6.10%

PruFund 40-80 Pension Fund

6.30%

PruFund Cautious Pension Fund

5.50%

PruFund Growth Pension Fund

6.20%

PruFund Protected Cautious Pension Fund

5.50%

PruFund Protected Growth Pension Fund

6.20%

 

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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

 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 Present 6.20%

 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 Present 6.20%

 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 Present 5.50%

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 Present 5.50%

 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 Present 5.10%

 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 Present 5.50%

 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 Present 6.10%

 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 Present 6.30%

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 

Date

UPA

End or Mid term adjustment

28/05/2013

+3.16%

End

26/02/2016

-3.40% 

End 

Date

UPA

End or Mid term adjustment

28/08/2012

+2.75%

End

28/05/2013

+3.05%

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

 

Prudential Retirement Account

Fund

EGR

PruFund 0-30 Pension Fund

5.10% 

PruFund 10-40 Pension Fund

5.50%

PruFund 20-55 Pension Fund

6.10%

PruFund 40-80 Pension Fund

6.30%

PruFund Cautious Pension Fund

5.50%

PruFund Growth Pension Fund

6.20%

 

 

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 overall return on any plan is affected by the amount invested, the performance of the investment, the period over which the plan has been invested and the charges applicable to the plan.

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 work.

We are not recommending one option over another or providing advice.

From

 To

 EGR

 01/08/2016

 24/08/2016

 5.80%

 25/08/2016

24/05/2017

 5.40%

25/05/2017 Present 5.10%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.10%

 25/08/2016

 24/05/2017

 5.70%

25/05/2017 Present 5.50%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.40%

 25/08/2016

 Present

 6.10%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.70%

 25/08/2016

 Present

 6.30%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.00%

 25/08/2016

 Present

 5.50%

From

 To

 EGR

 01/08/2016

 24/08/2016

 6.60%

 25/08/2016

 Present

 6.20%

No values updated yet.

No values updated yet.

Date

 UPA

End or Mid term adjustment

27/02/2017

+3.10%

End

Date

 UPA

End or Mid term adjustment

27/02/2017

+4.50%

End

25/05/2017

+2.80% End

No values updated yet.

Date

 UPA

End or Mid term adjustment

26/11/2016

+2.65%

End

27/02/2017 +3.06% End

The PruFund Range of Funds are invested in the Prudential's With-Profits Fund. They all aim to provide you with a more stable rate of growth on your investment by reducing some of the extreme short term ups and downs that you would normally be exposed to if you invested directly in the stock market - we call this 'smoothing'.

Our unique 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.

The Expected Growth Rates (EGRs) are the annualised rates that are normally used to increase the value of your unit price each day. They are set quarterly by the Prudential Directors having regard to the expected long term investment returns on the assets of the funds.

The EGRs are reviewed quarterly (25 February, 25 May, 25 August and 25 November) and may be higher, the same, or lower that those applying 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 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 to ensure that were are not returning too much or too little. We call these Unit Price Adjustments and they help to ensure that all investors are treated fairly. More information is available in your product fund guide.

In certain circumstances, for example if we experience large investments into, or encashment from, the funds within the PruFund Range of Funds, we may not apply the smoothing process - this is known as suspension of smoothing. If this happens, the unit price will be set to be equal to the unsmoothed unit price each day until the smoothing process is reinstated and will increase or decrease daily in line with the value of the underlying investments.

The smoothing process can be suspended independently for each fund. If smoothing is suspended, it will normally be for a minimum of 30 days, and the unit price of your investment will be set to be equal to the unsmoothed unit price for the relevant fund, for each day until smoothing is reinstated. This will, therefore, change in line with the value of the underlying fund rather that in line with the Expected Growth Rate.

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