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

"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."

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.

Download a PDF of the release

If you require any further information, please contact

Louise Bryans

M&G Media Relations

020 8162 4592

07733 315139

[email protected]

Notes to Editors

To view the underlying investment performance for 2017 and the asset mix of the Prudential With-Profits Fund view the full press release and editors notes.

OpenFinancial Performance and Policy Value Notes:

Gross cumulative return before charges and smoothing.
Comparison between Prudential products and other returns are for periods to 1 May 2018 and are after charges.
90 Day Notice account, unit trust values and unit-linked life and pension fund values use actual returns from 1 May in the relevant year through to 31 December 2017 and are then projected to 1 May 2018 using the most recent returns for the 90 Day Notice accounts and 3.4 per cent per annum (2.9 per cent net) for unit trust and unit-linked fund values.
Morningstar UK Savings £25,000 investment is a representation of a 90 Day notice account. Rates assumed are gross of tax for the Individual Pension and net of tax for Prudence Bond. The unit trust returns are based on an average for the “IMA Mixed investment 20% - 60% shares” sector. The unit-linked life fund returns are based on the average returns in the ABI “Mixed investment 20% - 60% shares UK Life” category. The unit-linked pension fund returns are based on the average in the ABI “Mixed investment 20% - 60% shares UK Pension” category.
A with-profits investment is not like a bank or building society deposit account. A with-profits policy may return less than has been invested, in particular in the early years, whereas a bank or building society deposit account would return the entire customer’s capital. Investors should consider keeping any money which might be needed in the short-term in a bank or building society deposit account which is generally secure and readily accessible.
Past performance is not a reliable indicator of future performance.
Full details of all annual and final bonus rates are available on request.
FTSE is a trademark jointly owned by the London Stock Exchange Plc and the Financial Times Limited and is used by FTSE International Limited "FTSE" under licence. The FTSE 100 index is calculated solely by FTSE. FTSE does not sponsor, endorse, or promote this product and is not in any way connected to it and it does not accept any liability in relation to its issue, operation and trading. All copy rights in the index values and constituent list vest in FTSE.

OpenAbout M&GPrudential

Prudential UK is part of M&GPrudential, the UK and European savings and investment business of Prudential plc and was formed in August 2017 from the merger of M&G Investments and Prudential’s UK and European businesses. Managing £337 billion of assets with more than 7 million customers, it brings together two of the most trusted brands in the UK financial services sector.

M&G Securities Limited: Terms and Conditions for downloading Photographic material

1. Introduction

Welcome to the myM&G campaign landing page (the "Website"). The Website is operated by M&G Securities Limited (“M&G”, “we”, “us” or “our”). By accessing or using the Website and downloading any photographs, images, graphics, or any other visual content available for download or stored on the Website or M&G’s content management system (the “Photos”), you (“You”) represent to have read, understand and agree to comply with and be bound by these Terms and Conditions (the "Terms"), forming a binding agreement between You and us. If You do not agree to these Terms, please do not use the Website.

2. Intellectual Property Rights

All Photos available on the Website are the property of M&G or its licensors and are protected by copyright, trade mark, and other intellectual property laws. Unauthorised use of any Photos or content is strictly prohibited.

3. Permitted Use

Subject to your compliance with these Terms, M&G grants You a limited, non-exclusive, non-transferable, and revocable licence to download and use the Photos available on the Website for any purpose, except for purposes which are defamatory, derogatory, related to pornography, otherwise indecent, or involve the creation or dissemination of AI-generated “deep fake images”. Photos can only be downloaded from the hidden URL provided in the press release.

4. Additional prohibitions

You agree that You will not:

(a) modify, alter, or create derivative works from the Photos;

(b) use the Photos in any manner that infringes on the intellectual property rights of M&G or any third party;

(d) share the hidden URL with any unauthorised third party.

5. Attribution

When using the Photos, You must provide appropriate credit to M&G by including a link to our Website or mentioning the source in a manner that is reasonable and customary.

6. Disclaimer of Warranties

The Photos on the Website are provided “as is” without any warranties of any kind, either express or implied. M&G does not warrant that the Photos will be error-free or that your access to the Photos will be uninterrupted.

7. Limitation of Liability

In no event shall M&G be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with the use of the Photos, even if M&G has been advised of the possibility of such damages. As the Photos are provided free of charge, M&G's total liability to You for any damages, losses, and causes of action shall not exceed the amount paid by You for accessing the Photos, which is nil.

8. Indemnification

You agree to indemnify and hold harmless M&G, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Photos.

9. Changes to these Terms

M&G reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Website. If a "click to accept" mechanism is not implemented, You will be notified of changes to the terms via email or a prominent notice displayed on the Website. Your continued use of the Website after any changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles. Any disputes arising out of or in connection with these Terms, including any questions regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Contact Information

If you have any questions or concerns about these Terms, please contact us at [email protected].

2025 apprenticeships open now

Reframing later life