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  • For scheme’s with year-end dates on or after 6 April 2018, annual governance statements (the Chair’s statement) need to include information about the costs and charges for each fund that members can invest in, along with at least one example of the effect these can have on members’ pension pots.
  • Prudential have collated relevant information in respect of scheme costs and charges, including transaction costs (where available), along with illustration information to show the compounding effect of costs and charges on pension savings.
  • For information of the costs and charges relating to your scheme(s), please enter your scheme ID in the box below.

Frequently asked questions

Costs and charges are the cost to you of investing in one of Prudential's investment options. You'll find more information on what costs and charges may apply to your investments by searching for your scheme.

The Department for Work and Pensions (DWP) published final regulations for Trustees and Managers of money purchase occupational pension schemes at the end of February 2018, requiring them to provide members with information on their pension schemes in relation to:

  • the disclosure of costs and charges, and
  • details of where their money is invested.

The cost and charges disclosure requirements include the following:  

  • The Trustee Chair Statement to be extended to cover further information for costs and charges, and an example illustration of the impact of charges on a member’s pension pot.  
  • Costs and charges information to be publically available on a website, along with explanatory notes and example illustrations of the impact of charges on a members pension pot.  As well as publishing the information on the websites, it must be available on request in hard copy.
  • Pooled Funds: for the fund(s) that the member is invested in at the date of the request, they must be provided with:
  1. the fund name, 
  2. where relevant, the International Securities Identification Number (ISIN),  
  3. information on the ‘top level’ of pooled funds for which public information is available.
  • Annual Benefits Statements have to signpost members to the website where they can find details of costs, charges, and explain where the member can find further information about funds for their scheme.   

These new requirements were effective from 6 April 2018. Schemes will be responsible for publishing costs and charges information within seven months of the first scheme year end-date to fall on or after 6 April 2018.

The DWP regulations have been brought in so that the costs and charges which affect a member's pension pot for relevant schemes are shown clearly and simply to members.

This will help Trustees and scheme members to evaluate if they are getting good value for money and should help drive better outcomes for them.

Charges mean all administration charges except: court orders, charges for earmarking or pension sharing, winding up costs and payment of death benefits.   

Examples of administration charges are annual management charges, switching fees, allocation rates, premium related fees, set up fees, policy fees, exit charges and deferred member charges (Paid Up Pension charges).

Charges for advice are not considered to be administration charges. The primary responsibility lies with trustees and managers to be compliant with the legislation. As a scheme provider, Prudential has a key role to play in supporting trustees to be able to fulfil their obligations.

Where available, all information on charges is online for relevant schemes.

Transaction costs are costs incurred by funds when the investments they hold are bought or sold. Examples of these include bid-offer spreads, taxes and broker commissions. 

Unfortunately, for relevant schemes, not all transaction cost data is currently available. To calculate transaction costs for the funds applicable to your scheme, we're dependent on receiving transaction cost information for the underlying funds. We're liaising closely with our fund group partners and yet to receive some of the compliant underlying transaction costs information. Where data is available, we've published this for relevant schemes, and we'll continue to update our Transaction cost information as we receive it.

The Prudential With-Profits Fund is only available through Prudential. It is not available to investors outside of Prudential so it doesn't need an ISIN. Information on the With-Profits Fund is available in the Fund Guide and/or Fund Fact Sheet.

The Prudential Deposit Fund is part of the Prudential With-Profits Fund. Its assets are invested in the Prudential With-Profits Fund and provides a declared rate of interest (based on the Bank of England base interest rate) and makes no charges on the money invested. The rate of return applies irrespective of the nature of, or investment return on, the underlying investments in the Prudential With-Profits Fund.  Information on the interest applied to the Deposit Fund is available in the Fund Fact Sheet.

If your scheme isn't included and you believe that it should be, please contact us.

You'll find the costs and charges information you need for your Chair Statement for relevant schemes on 'Search for your pension scheme'.

To help Trustees of relevant schemes, Prudential have:

  • made the relevant cost and charge information available on our website for Trustees and others to access directly, and
  • made illustrative examples available on our website showing the effect of costs and charges 
  • signposted pension scheme members to the relevant section of our website in the Annual Benefit Statement
  • signposted scheme members in the Annual Benefit Statement to where they can find fund information

If the information needed isn't on our website, please contact us.

Yes, for relevant schemes our product level illustrations are online.