Learn and apply

You don't have to have lots of money put aside to start investing. The Prudential Stocks and Shares ISA is designed for a range of investors, however big or small. You can open an ISA with as little as £50 per month or a one off lump sum of £500, up to the ISA allowance of £20,000 for the 2017/18 tax year.

As the ISA is investment based you should understand that the value of your investment can go down as well as up and you may not get back what you put in.

Watch our overview on the Prudential ISA, including some of the key benefits, risks and considerations:

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You can subscribe only to one Stocks and Shares ISA, Cash ISA and Innovative Finance ISA in each year. To invest in the Prudential ISA you must be 18 or over and be a resident in the UK.

You will need to balance the level of risk you are comfortable with taking, against the potential rewards you want to achieve. Read more on Balancing Investment risk and reward.

You should be prepared to invest your money for a minimum of 5 years and more as this is a medium to long term investment ISA and must be confident in making your fund choices as we do not offer advice on the Prudential ISA. If you are unsure about making investment decision we recommend you speak to a financial adviser.

You need to regularly review your investment decisions so they continue to meet your investment goals.

The Prudential ISA is provided by Capita Financial Investments Limited, the ISA plan manager.

Here are some of the benefits of the Prudential ISA:

Invest in a tax-efficient way

You don’t pay tax on any income or capital gains from your investments.

Easy to get started

Invest from as little as £50 per month regular deposit or a lump sum of £500 and you can apply today. There is one simple annual charge and we will not charge you for making withdrawals, switching funds or transferring.

Managed by experts

Prudential Portfolio Management Group Limited (PPMG) - a dedicated team of in-house investment experts, who aim to grow your money over the medium to long term.

Simple, straightforward investing

Choose from four risk managed PruFund funds, built and managed for you by investment experts. Each one has its own risk rating so simply select which is right for you depending on the level of risk you are willing to take.

Transfer your other ISAs

You can bring together your existing ISAs by transferring some or all of them to the Prudential ISA. Prudential do not charge you for transferring ISAs in, however, some ISA managers may charge for transferring money out.

Accessing your money

You can access your money through either regular or one off withdrawals and you can leave the ISA at any time, including full encashment of your ISA. You can keep track of your valuations online 24/7. For more details please see the Key Features document.

Why invest in the PruFund funds?

  • They are invested in one of the largest With-Profits fund in the UK.
  • They are multi-asset funds.
  • They are managed by experts.

The Prudential ISA includes risk managed PruFund funds which aim to grow your money using diversification and smoothing for a steadier investment journey. See how this works in our PruFund explained video.

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  • The Prudential ISA online offers you four risk managed PruFund funds. You need to choose one to apply, depending on the level of risk you are willing to take.

           See how PruFund funds are managed.

  • The Annual Management Charge is deducted from your investment. If the charge is more than the amount your investment grows by, the value of your investment will go down. Charges may vary in the future and may be higher than they are now.
  • Each fund invests in the same assets, but in different proportions. The name of each fund indicates the amount of shares each fund can hold, ranging from the lowest proportion (PruFund 0-30) to the highest (PruFund 40-80). As a general rule, the greater the proportion of shares in a fund, the greater the potential risk and reward.

Use the scale to explore the funds in more detail

Make sure you understand the risk ratings of our funds before you make your fund choice. We rate the risk of each fund on a scale of 1 to 6 with 1 being the lowest and 6 being the highest. The four funds available with the Prudential ISA are 2, 3 or 4 on this scale. If you are looking for a higher or lower risk investment you may wish to consider alternative options.

Learn important information on the risk and reward scale.

Risk
Low
1 2 3 4 5 6
High
Potential Return
2

PruFund 0-30

How your money is invested

This is our lowest risk and reward fund choice in the Prudential ISA with a risk rating 2. It can invest from 0% to 30% in shares.

20.0% Shares
10.0% Property
63.0% Bonds
7.0% Cash

Charges

Annual Management Charge 1.35%

3

PruFund 10-40

How your money is invested

This is a fund with a risk rating 3. It invests between 10% and 40% in shares. So it has a lower risk and reward profile than PruFund 20-55, but higher than PruFund 0-30.

31.2% Shares
13.7% Property
49.6% Bonds
5.5% Cash

Charges

Annual Management Charge 1.35%

3

PruFund 20-55

How your money is invested

This is a fund with a risk rating 3. It invests between 20% and 55% in shares. So it has a higher risk and reward profile than PruFund 10-40, but lower than PruFund 40-80.

43.2% Shares
16.8% Property
36.0% Bonds
4.0% Cash

Charges

Annual Management Charge 1.35%

4

PruFund 40-80

How your money is invested

This is the highest risk and reward fund choice in the Prudential ISA with a risk rating of 4. It can invest between 40% and 80% in shares.

56.3% Shares
18.8% Property
22.6% Bonds
2.5% Cash

Charges

Annual Management Charge 1.35%

See our Your With-Profits Plan - a guide to how we manage the Fund (PruFund range of funds).

The asset allocations shown are as at end of 03/2017. Asset allocations are regularly reviewed and may vary from time to time but will be consistent with the fund objective.

Next steps

Apply for the Prudential ISA

Apply now

Get in touch

Talk to us

If you are new to the Prudential ISA and would like to talk to us about the information on our website, please call:

0800 640 9110

9:00am - 6:00pm, Monday to Friday

Existing Prudential ISA customer

If you would like to talk about an on-going application or are an existing Prudential ISA customer and would like more information on your Prudential ISA plan, please call Capita Financial Investments Limited:

0344 335 8969

8:30am - 5:30pm, Monday to Friday