Calculators Contact Us Register Login Prudential Financial Advice Pensions & Retirement Investments Funds Insurance Help for Existing Customers PruFund range of funds - Expected Growth Rates and Unit Price Adjustments The PruFund range of funds aim to grow your money over the medium to long term (5 to 10 years or more), while protecting you from some of the short-term ups and downs of direct stockmarket investments by using an established smoothing process. This means that while you won’t benefit from the full upside of any potential stockmarket rises you won’t suffer from the full effects of any downfalls either. This section gives you information on how our smoothing process works, access to both historic and current Expected Growth Rates (EGRs) and details of any historic Unit Price Adjustments (UPA). Flexible Investment Plan EXPECTED GROWTH RATE (%) PruFund Risk Managed 1 Fund 3.50 PruFund Risk Managed 2 Fund 4.00 PruFund Risk Managed 3 Fund 4.30 PruFund Risk Managed 4 Fund 4.80 PruFund Cautious Fund 3.90 PruFund Growth Fund 4.70 PruFund Protected Cautious Fund 3.90 PruFund Protected Growth Fund 4.70 View UPA and historic EGR information Flexible Retirement Plan EXPECTED GROWTH RATE (%) PruFund Risk Managed 1 Pension Fund 4.30 PruFund Risk Managed 2 Pension Fund 4.80 PruFund Risk Managed 3 Pension Fund 5.30 PruFund Risk Managed 4 Pension Fund 5.70 PruFund Cautious Pension Fund 4.80 PruFund Growth Pension Fund 5.70 PruFund Protected Cautious Pension Fund 4.80 PruFund Protected Growth Pension Fund 5.70 View UPA and historic EGR information International Portfolio Bond EXPECTED GROWTH RATE (%) PruFund Planet 1 Sterling Fund 4.30 PruFund Planet 2 Sterling Fund 4.80 PruFund Planet 3 Sterling Fund 5.30 PruFund Planet 4 Sterling Fund 5.70 PruFund Planet 5 Sterling Fund 6.00 PruFund Risk Managed 1 Fund 4.30 PruFund Risk Managed 2 Fund 4.80 PruFund Risk Managed 3 Fund 5.30 PruFund Risk Managed 4 Fund 5.70 PruFund Risk Managed 5 Fund 6.00 PruFund Cautious Fund 4.80 PruFund Growth Fund 5.70 View UPA and historic EGR information Prudential International Investment Bond EXPECTED GROWTH RATE € FUND (%) £ FUND (%) $ FUND (%) PruFund Cautious Fund 4.00 4.80 4.90 PruFund Growth Fund 4.80 5.70 5.70 PruFund Protected Cautious Fund 4.00 4.80 4.90 PruFund Protected Growth Fund 4.80 5.70 5.70 View UPA and historic EGR information Prudential Investment Plan EXPECTED GROWTH RATE (%) PruFund Risk Managed 1 Fund 3.50 PruFund Risk Managed 2 Fund 4.00 PruFund Risk Managed 3 Fund 4.30 PruFund Risk Managed 4 Fund 4.80 PruFund Risk Managed 5 Fund 5.20 PruFund Cautious Fund 3.90 PruFund Growth Fund 4.70 PruFund Protected Cautious Fund 3.90 PruFund Protected Growth Fund 4.70 View UPA and historic EGR information Prudential ISA EXPECTED GROWTH RATE (%) PruFund Risk Managed 1 Fund 4.30 PruFund Risk Managed 2 Fund 4.80 PruFund Risk Managed 3 Fund 5.30 PruFund Risk Managed 4 Fund 5.70 PruFund Risk Managed 5 Fund 6.00 PruFund Cautious Fund 4.80 PruFund Growth Fund 5.70 View UPA and historic EGR information PruFund Investment Plan EXPECTED GROWTH RATE (%) PruFund Growth & Income Fund 4.30 PruFund Growth Fund 4.70 View UPA and historic EGR information Prudential Retirement Account - Series D EXPECTED GROWTH RATE (%) PruFund Risk Managed 1 Pension Fund (RA) 4.30 PruFund Risk Managed 2 Pension Fund (RA) 4.80 PruFund Risk Managed 3 Pension Fund (RA) 5.30 PruFund Risk Managed 4 Pension Fund (RA) 5.70 PruFund Cautious Pension Fund (RA) 4.80 PruFund Growth Pension Fund (RA) 5.70 View UPA and historic EGR information Prudential Retirement Account - Series E EXPECTED GROWTH RATE (%) PruFund Planet 1 Pension Fund (RA) 4.30 PruFund Planet 2 Pension Fund (RA) 4.80 PruFund Planet 3 Pension Fund (RA) 5.30 PruFund Planet 4 Pension Fund (RA) 5.70 PruFund Planet 5 Pension Fund (RA) 6.00 PruFund Risk Managed 1 Pension Fund (RA) 4.30 PruFund Risk Managed 2 Pension Fund (RA) 4.80 PruFund Risk Managed 3 Pension Fund (RA) 5.30 PruFund Risk Managed 4 Pension Fund (RA) 5.70 PruFund Risk Managed 5 Pension Fund (RA) 6.00 PruFund Cautious Pension Fund (RA) 4.80 PruFund Growth Pension Fund (RA) 5.70 View UPA and historic EGR information Trustee Investment Plan EXPECTED GROWTH RATE (%) PruFund Risk Managed 1 Pension Fund 4.30 PruFund Risk Managed 2 Pension Fund 4.80 PruFund Risk Managed 3 Pension Fund 5.30 PruFund Risk Managed 4 Pension Fund 5.70 PruFund Cautious Pension Fund 4.80 PruFund Growth Pension Fund 5.70 PruFund Protected Cautious Pension Fund 4.80 PruFund Protected Growth Pension Fund 5.70 View UPA and historic EGR information Pension Choices Plan EXPECTED GROWTH RATE (%) PruFund Risk Managed 1 Fund 4.30 PruFund Risk Managed 2 Fund 4.80 PruFund Risk Managed 3 Fund 5.30 PruFund Risk Managed 4 Fund 5.70 View UPA and historic EGR information So what is smoothing and how does it work? What are the Expected Growth Rates and when are they set? How do Expected Growth Rates affect my investment? What is a Unit Price Adjustment and how could it affect the value of my investment? Can we reset the smoothed price? Suspension of smoothing Please read the Your With-Profits Plan - a guide to how we manage the Fund for further information on the PruFund range of funds. Related Content Previous With-Profits Spread investment risk and get potential bonuses along the way Prudential Multi-Asset funds Funds that invest in a diverse range of assets such as shares, fixed interest and property Prudential Risk Managed funds Funds that give you access to a combination of experts. Open-ended Investment Companies These funds are a good way for smaller investors to enjoy the power of big institutional investors Next 12 See our calculators & tools Income Tax and Tax Relief calculator Estimate how much Income Tax and National Insurance you may pay, based on your earnings, and see the tax relief you could get on your pension contributions. Emergency Tax tool See how much Emergency Tax you could pay on withdrawals from your pension pot. 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