PruFund – built to navigate uncertainty
Our PruFund range of funds are designed to navigate choppy markets, geo-political uncertainty and imitation – and still manage to deliver over the long term.
Helpful PruFund documents
T&IO weekly market update
Treasury and Investment Office (T&IO) weekly podcast discussing the latest market developments and T&IOs current outlook.
PruFund Factsheets
A closer look at fund performance for the PruFund range of funds.
Due Diligence and Third Party reports
A number of internal and external case studies, risk mapping documents and research guides.
Where PruFund Invests - support and reassurance for your clients
This short video takes a closer look at where PruFund customers are invested across the world and the underlying assets that aim to spread risk and diversify investment growth.
If you are looking to have a conversation with your clients about PruFund, share this video using this link or email template.
Our PruFund explained video also provides more information on how the fund works.
Where PruFund Invests
Managing volatility
PruFund has two advantages here:
- Its smoothing mechanism can help to protect your client's investment from the impact of extreme short term market volatility
- Its diverse asset allocation spreads risk and helps to avoid concentration of exposure in different asset classes and geographical locations.
Recent market volatility, due to the global Coronavirus pandemic, has prompted a lot of questions and knee jerk reactions in the investment world. This recent webinar about the mechanics of PruFund, the smoothing process, the holding account and unit price adjustments - provides a reassuring reminder of why the PruFund range of funds has the ingredients to provide clients with potentially good outcomes.
Watch the Webinar.
The value of any investment can go down as well as up so your clients might get back less than they paid in.
Managing PruFund
A combination of an established smoothing process, global diversification and fund management expertise - Our PruFund funds aim to provide your clients with a smoothed investment journey.
Expected Growth Rates (EGRs) - a forward looking projection, which reflects our view of how we think each PruFund fund will perform over the medium to long term (5-10 years or more). *
Access to the asset allocation and investment expertise of the M&G Treasury and Investment Office (T&IO), who manage around £176bn of Assets Under Management (as at June 2021).
Choice of seven multi-asset PruFund funds helps cater for different attitudes to risk and capacity for loss.
*We also have to take into account shorter-term performance, which means we’ll continually monitor the underlying fund performance and make adjustments to the fund value, up or down, when necessary. These are known as Unit Price Adjustments (UPAs).
How ESG applies to the PruFund range
The process and philosophy behind how we manage PruFund money has not changed, only evolved. We remain long-term investors and so believe that ESG factors should be considered in addition to and alongside the more traditional financial metrics.
ESG considerations are integrated into all of our investment decisions relating to asset allocation, mandate design and manager selection and oversight.
PruFunds screen for companies that intentionally violate human rights, labour standards, environment standards and anti-corruption laws. Certain actions will be taken, ranging from monitoring to engagement, to outright exclusion, based on our assessment of the individual company and the circumstances of the violation. More information is available in our ESG policy Q&A.
How do I find out more about PruFund?
PruFund Growth Fund
Aims to maximise growth while helping to smooth the ups and downs of investment performance
PruFund Cautious Fund
Aims for steady and consistent growth through a cautious approach to investing
Risk Managed 'smoothed' PruFunds
Five risk managed funds designed to suit different attitudes to risk and reward
PruFund Planet Funds
Five risk managed funds designed to deliver positive environmental and societal outcomes