With-profits guidance for advisers

IFAonline, in conjunction with Prudential's with-profits team, will present a series of articles throughout August to help advisers understand and explain the realities of with-profits product design. The articles will address the problems of smoothing, the potential returns and dispel the myths behind with-profits funds. Lower returns and falling bonus rates of with-profits funds has forced the financial services industry to question the true value of these products. However, IFAs and insurers argue strongly there is still a place in client portfolios for with-profits vehicles as a ...