Unit Linked Investments
Using the concept of Unit Trust investment, Prudential offers medium to long-term savings plans to provide disciplined contractual savings vehicles to accumulate capital over time.
The most versatile of these inflation-beating products are the Regular Premium Investments Benefit and the Single Premium Injection Benefit, which are invested in the diversified investment options to spread risk and maximize returns.
The key features of these are:
- Flexibility - increase or decrease amounts as need be
- Relative affordability of at least Kshs.5,000 per month; 10% of your gross monthly salary is a prudent amount to consistently save.
- Access to cash without canceling the investment plan
- The plans are open-ended contracts. It is recommended that premiums be paid for at least 5 years to provide a good return.
REGULAR PREMIUM PROJECTIONS
QUICK LINKS
LUMPSUM PREMIUM PROJECTIONS
- Premium frequency can be either monthly or annually
- Ideally suited for children's education plans, mortgage deposit saving, asset purchases, pension and general medium-to-long-term financial goals.
- No Cease Age or ineligibility due to age
- Portability, in that an individual can continue with the plan even after changing employers, so long as minimum requirements continue to be met.
The above tables illustrate what an investment would be worth at a modest 8 - 12% growth and net of all charges, at the end of the different periods.
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