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20 February 2018

Prudential With-Profits retains its record of delivering strong returns for customers

2018

Clare Bousfield,
Chief Executive, Prudential UK

  • Prudential's consistent, long-term approach to the management of its With-Profits Fund continued to benefit policyholders during 2017.
  • An estimated £2.1 billion was added to Prudential with-profits policy values in 2017 (split £0.4 billion Annual Bonus and £1.7 billion Final Bonus).
  • Policyholders will typically see year-on-year increases of between 7 per cent and 10 per cent in their accumulating with-profits policy values following the 2018 Bonus Declaration.
  • Strong annualised post-tax returns for policyholders over the lifetime of their policy:
    • Prudential With-Profits Flexible Investment Plan (20 year, £10,000 single premium) 5.1 per cent *
    • Prudential With-Profits Flexible Investment Plan (15 year, £10,000 single premium) 6.1 per cent *
    • Prudential With-Profits Flexible Investment Plan (10 year, £10,000 single premium) 5.3 per cent *
    • Prudential With-Profits Individual Pension (20 year term, £200 pm RP) 5.7 per cent *
    • Prudential With-Profits Savings Endowment (25 year term, £50 pm RP) 5.3 per cent *
    • Scottish Amicable With-Profits Savings Endowment (25 year term, £50 pm RP) 5.3 per cent *
    • (* Net of tax where relevant and charges. Endowment examples based on male aged 29 at start of contract.)
  • A typical Prudential mortgage endowment maturing in 2018 will have increased in value by 8.8 per cent in its final year.
  • An estimated £21 billion has been added to Prudential with-profits policy values over the last 10 years.
  • Prudential's With-Profits Fund has delivered a cumulative investment return of 89.6 per cent over 10 years, compared with the FTSE 100 index (cumulative total) return of 73.8 per cent over the same period.
  • With-profits with Prudential continues to be an attractive medium to long-term investment when compared with many other alternative investment options.

Clare Bousfield, Chief Executive, Prudential UK, said: "Our With-Profits fund has had another successful year's performance in 2017, yet again reinforcing the benefits to cautious investors of continuing to invest in our well-managed, financially strong and globally-diversified fund.

"The good news is that the vast majority of our with-profits policyholders have seen the value of their plans increase over the last 12 months. Our consistent long-term approach to managing the Fund means that we've been able to maintain annual bonus rates at the same levels as last year while increasing final bonus rates for most customers."

Prudential has announced that it has added an estimated £2.1 billion to with-profits policy values in 2017, highlighting the returns available to cautious investors from a financially strong and well-managed with-profits fund.

Prudential's With-Profits Fund has delivered a gross cumulative investment return of 89.6 per cent over 10 years, compared with the FTSE 100 (total return) index gross return of 73.8 per cent over the same period.

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M&G plc, incorporated and registered in England and Wales. Registered office: 10 Fenchurch Avenue, London EC3M 5AG. Registered number 11444019. M&G plc is a holding company, some of whose subsidiaries are authorised and regulated, as applicable, by the Prudential Regulation Authority and the Financial Conduct Authority.

M&G plc is a company incorporated and with its principal place of business in England, and its affiliated companies constitute a leading savings and investments business. M&G plc is the direct parent company of The Prudential Assurance Company Limited. The Prudential Assurance Company Limited is not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in England and Wales.

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M&G plc is a company incorporated and with its principal place of business in England, and its affiliated companies constitute a leading savings and investments business. M&G plc is the direct parent company of The Prudential Assurance Company Limited. The Prudential Assurance Company Limited is not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in England and Wales.