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 bank pools the investments of different individuals into a consolidated fund, which professional fund managers invest in securities such as stocks and bonds.

The beauty of investing in UITFs is that there is no need to put up a lot of principal, nor do you need to watch the markets all the time, but you still reap the rewards of high-grade investments.

 

What invest in UITFs?

If you want to invest, but are unsure how to go about it, investing in UITFs is one of the best options for you. Professional fund managers manage your funds, making your money earn more for you than if you had left it in a bank account.

Investing in a UITF suits you if:

  • You have money set aside that you can invest long-term
  • You are willing to take risks in exchange for higher returns
  • You do not understand or have the time to trade stocks and bonds

 

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:

      CONSERVATIVE BALANCED AGGRESSIVE
    What is my investment objective? Regular Income Capital Appreciation Wealth Accumulation
    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 CONSERVATIVE investors)

    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. liquidity 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)

     

    BEST BALANCED FUND (For BALANCED investors)

    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 day from redemption date (T+3)

     

    VALUE EQUITY FUND (For AGGRESSIVE investors)

    The PBCOM Value Equity Fund is a stock fund for investors with an aggressive risk profile seeking higher returns. This is for investors with medium to long term horizons of three to five years. 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 swings in the value of their investments.

    FUND TYPE MONEY MARKET 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 day from redemption date (T+3)

    Fund Performance Reports

    PBCOM Money Market Fund (formerly Signature Trust Fund)
    Best Balanced Fund
    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 intact 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).
    • 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 own risk by choosing the appropriate investment that would suit 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.

    Amendments to the Declaration of Trust of PBCOM Value Equity Fund

    IMPORTANT ANNOUNCEMENT

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