At MPA Financial Management we always want to achieve solid long-term growth for our clients’ pensions, ISAs, and investment bonds and we have found over the years that Prudential’s PruFund range has delivered consistently without normal volatility of other solutions. We find that it compliments other investments and helps flatten the peaks and troughs but still deliver solid returns.

The PruFund range has over £63 billon invested in it by over 450,000 investors and 5,000 adviser firms recommend it in the UK.

Diversification is Key

Below is a chart of the investment performance figures of the different assets it holds in the fund, and you can see there are 29 different asset classes all combining to generate returns. Out of the 29 there are only 4 with negative returns this year.

No one fund manager can guarantee performance but by spreading risk far and wide the PruFund has every base covered. The skill lies in using M&G’s investment knowhow to decide how much of the fund is invested in each asset class to maximise returns and keep volatility down to a minimum.

Below is a chart of performance of the PruFund Growth Fund we use in pensions, ISA’s and Bonds and it has proved to be a good diversifier against normal daily tradeable investments.
The fund dropped in 2020 due to the pandemic and again in 2023 due to rising interest rates and its effects on bond valuations. Even over that time it has still managed to generate average returns of just over 5% pa.

This last 12 months it has returned a healthy 7.74%

As part of a balanced portfolio, it does a great job and that is why it is still MPA’s largest investment holding at just over £70M.

So, as we head to the close of 2024, it’s been a positive year for investments all round and lets hope we have more of the same in 2025.

Happy Christmas and a Glorious New Year to you all.

Phil J McGovern FPFS
Managing Director