UITF

Read through to know all about Unit Investment Trust Funds (UITF).

 

About UITFs

Making your money work for you.

We all want to make our money work for us, not the other way around. We’d all rather be enjoying life than always chasing a paycheck.

Investments generate passive income, or money which grows without you doing anything to earn it. Investments allow us to earn, without having to produce the large start-up capital needed in other forms of income-generating means.

 

What are UITFs?

UITF stands for Unit Investment Trust Fund. Basically, the trustee bank pools the investments of different individuals into a consolidated fund, which professional fund managers invest in securities such as time deposits, government and/or corporate bonds and listed stock shares.

The wisdom of investing in UITFs is that there is no need to have a large amount of capital, nor do you have to watch the markets all the time; yet you can still reap the rewards of high-grade investments.

 

Who can invest in UITFs?

Almost everyone of legal age can invest in UITFs. There will always be a UITF that will suit an individual in every life stage or life cycle. Be it as a college student, a young professional, young couple, an established professional and/or employee, a retiree, etc.

Depending on your ability to take on risks for higher potential earnings, investing in a UITF suits you if:

  • You have money set aside for at least 1 year to more than 10 years
  • You are willing and ready to take some amount of risk in exchange for higher returns from ordinary savings
  • You are not so familiar or do not understand passive investments like trading stocks and bonds yet you want to get your feet wet and aim to maximize the potential of your savings
  • You are too busy with career and/or business

Investment Suitability Assessment

    What UITF product should I invest in?

    When assessing which UITF product best suits you, you must consider the following:

    • What is my investment objective?
    • How long am I willing to have my money invested?
    • How much risk am I willing to take on relative to the returns that I am expecting?

    To make the assessment easier, you may refer to the investment suitability assessment below:

    RISK PROFILE CONSERVATIVE BALANCED AGGRESSIVE
    What is my investment objective? Regular Income Wealth Accumulation Capital Appreciation
    How long am I willing to invest? Short Term Medium Term Long Term
    When do I expect to reap returns? 1 to 3 years 3 to 5 years 5 years and up
    How much risk am I willing to take on? Minimal Fluctuations Fair amount of fluctuations High degree of volatility

    PBCOM Funds

    PBCOM MONEY MARKET FUND (formerly SIGNATURE TRUST FUND)

    For investors with CONSERVATIVE RISK PROFILE

    The PBCOM Money Market Fund is a Peso-denominated money market fund suited for investors who are relatively risk-averse, seek to preserve capital and generate income from low risk investments and are just looking to beat bank rates. This is a money market fund invested principally in short-term, fixed-income deposits and securities with a modified duration of one (1) year or less.

     
    FUND TYPE MONEY MARKET FUND
    Minimum Investment Php5,000.00
    Minimum Additional Php1,000.00
    Minimum Holding Period Thirty (30) calendar days
    Early Redemption Fee 0.125% p.a. of Redemption Value
    Trust Fee 0.50% p.a
    Redemption Settlement One (1) banking day from redemption date (T+1)

     

    PBCOM BEST BALANCED FUND

    For investors with AGGRESSIVE RISK PROFILE

    The PBCOM Best Balanced Fund is a Peso-denominated Unit Investment Trust Fund (UITF) designed to spread your investments across stocks and bonds to achieve a balance between risk and return. The Fund is a mixed portfolio of at least forty percent (40%) to sixty percent (60%) of the Fund invested in stocks listed in the Philippine Stock Exchange and a portfolio of short to long fixed-income deposits and securities.

     

    FUND TYPE BALANCED FUND
    Minimum Investment Php10,000.00
    Minimum Additional Php10,000.00
    Minimum Holding Period Ninety (90) calendar days
    Early Redemption Fee 0.25% p.a. of Redemption Value
    Trust Fee 1.50% p.a
    Redemption Settlement Three (3) banking days from redemption date (T+3)

     

    PBCOM VALUE EQUITY FUND

    For investors with AGGRESSIVE RISK PROFILE

    The PBCOM Value Equity Fund is a stock fund for investors with an aggressive risk profile seeking higher returns. The Fund is invested at least 80% in stocks listed in the PSE and a mixed portfolio of short to long term fixed-income deposits and securities. Given the volatility of the stock market, investors should be able to withstand large upward (possible gains) or downward swings (losses) in the value of their investments. This is for investors with medium to long term perspective of three to five years.

     

    FUND TYPE EQUITY FUND
    Minimum Investment Php5,000.00
    Minimum Additional Php1,000.00
    Minimum Holding Period Ninety (90) calendar days
    Early Redemption Fee 0.25% p.a. of Redemption Value
    Trust Fee 1.50% p.a
    Redemption Settlement Three (3) banking days from redemption date (T+3)

    Fund Performance Reports

    PBCOM Money Market Fund
    PBCOM Best Balanced Fund
    PBCOM Value Equity Fund

    Terms and Conditions

    • Trust Products are not deposit accounts and NOT insured by PDIC for P500,000.00. Trust assets are separate from bank’s assets. In case of bank closure, the Trust assets of the clients remain in the portfolio and may be sold/withdrawn or transferred to a successor Trustee bank at its market value. 
    • Yields are not guaranteed. Bonds and fixed income assets may have their respective indicative yields depending on maturity. However, these assets are valued at the end of each trading day for price transparency. All investments (except for cash and/or time deposits) are valued at market prices (MTM); therefore, yields may change upward or downward depending on daily price movement.
    • All Income/losses are for the account of the client.   Investments have their inherent risks. The higher the risk, the higher the return potential. It is important for a client to manage his own risk by choosing the appropriate investment that would suit or match his risk profile.  
    • Historical performances are purely for reference purposes and are not a guarantee of similar future results. Prices may go up or down depending on several socio-political & economic factors and market sentiment. Analysts can only forecast or project based on data and possible scenarios but cannot accurately predict future outcome.

    IMPORTANT ANNOUNCEMENT

    Amendments to the Declaration of Trust of PBCOM MMF and VEF
    Amended Declaration of Trust - PBCOM Money Market Fund
    Amended Declaration of Trust - PBCOM Value Equity Fund
    Appendix I - PBCOM Value Equity Fund

    Certified UITF Marketing Personnel

    Certified UITF Marketing Personnel

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