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Understanding Prudential With-Profits Plans
Policyholders of the With-Profits Plans shall enjoy a fair share of the relevant experience of the Fund through the addition of non-guaranteed bonus. We aim to protect all policyholders’ respective rights and reasonable expectations by providing payments that are fair between different groups of policyholders. While the value of the Plan is mostly affected by the overall performance of the Fund, smoothing may be applied to produce a more stable return over the long-term.
Please refer to the below video and brochure to find out more information (such as investment philosophy and bonus philosophy) on your With-Profits Plan and the operation of a With-Profits Fund.
A simplified guide to Prudential’s With-Profits Fund
The following list shows the With-Profits Plan products provided by Prudential. It will be updated from time to time in accordance with the currently available With-Profits Plan products. For further details, please contact your consultant.
* Only the PRUlife juvenile saver – Savings in the PRUlife juvenile saver, PRUlife protector – Savings in the PRUlife protector and PRUlife saver – Savings in the PRUlife saver are written under the With-Profits Fund.
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The Long-term Average Actual Total Internal Rate of Return represents the track records of PHKL participating policies with longer history which are calculated as the average of relevant sample policies’ actual total internal rate of return at the 20th policy year.
The Wisdom Behind Long-Term Bond Investments (Video / Flyer)
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