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Frequently Asked Questions

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Why Invest in a Unit Investment Trust Fund (UITF)?

What is a UITF?

 

A Unit Investment Trust Fund (UITF) is an open-ended pooled trust fund, denominated in pesos or any acceptable currency, which is operated and administered by a trust entity and made available by units of participation. Funds of various investors are pooled together and placed in government securities, bonds, stocks/equities, deposit products, and other similar instruments. Through UITFs, investors are able to command a better yield on their instruments by virtue of the size of pooled funds which otherwise would not have been available to them through deposits. The larger the size of the fund, the more flexible and efficiently diversified the investments are, leading to a decrease in overall volatility of returns.

 

Units of participation are made available to investors based on the Net Asset value Per Unit (NAVPU) of the fund for the day. To determine how many units of participation a certain amount of investment is equivalent to, simply divide the amount to be invested by the prevailing NAVPU for the day. Each UITF product is governed by a Declaration of Trust (or Plan Rules) which contains the mechanics for investing, operating and administering the fund.


The UITF Advantage
UITFs have distinct advantages over traditional bank products such as deposits. Below are some of the benefits to be gained by investing in UITFs.

 

Diversification. By participating in a UITF, risks are spread out across the various investments held by the pooled trust fund. Diversification comes in the form of different types of investments, issuers and tenors. UITFs are required to observe its exposure in a single entity and its related parties to 15% of the market value of the fund, except in the case of government securities.

Liquidity. While it is advisable to stay invested in the UITF for a longer period of time, clients can redeem units of participation at any time as the fund is open-ended. The fund will not have difficulty redeeming these units of participation because UITF investments are limited to marketable or tradable securities.

Affordability. UITFs generally have low minimum investment requirements. Additional investments may be made in tranches as funds become available to the client.

Better earnings potential. Greater earnings potential is achieved without having to invest large sums of money. There are opportunities for potentially higher returns due to possible marked-to-market gains on top of accrued income from investments. UITFs provide access to financial instruments not readily available to retail investors.

Exempt from Reserve Requirements. UITFs are not subject to reserve requirements imposed on bank deposits and Common Trust Funds (CTFs).

Professional Fund Management. Participating in a UITF allows clients to gain access to the expertise and services of seasoned fund managers who are able to actively monitor the market for possible investment opportunities.

Transparency. Trust entities are required to publish the UITF NAVPU at least weekly, allowing you to compare investment performance of various fund managers. Each is subject to a separate annual audit by an independent auditor acceptable to the BSP, the results of which may be made available to investors.

Regulated product. The management and administration of UITFs are governed by the Bangko Sentral ng Pilipinas.

From the Blogs Title Here

Products

We offer a wide range of treasury products for our clients. From plain time deposits, foreign exchange, fixed income products, to the more complicated products like derivatives.

We have a higher purpose: to Make Da Diff by elevating lives and fulfilling dreams. Our responsibility goes beyond providing sound financial performance to our clients. We recognize that as part of a greater community, we must do our part in providing a suitable and sustainable environment for all our stakeholders.

We take our corporate citizenship to heart. We manifest our brand attributes of being Relevant, Expert, and Challenging Convention in every project we undertake. Thus, we have identified three strategic initiatives where we feel we can best make a difference in our community.

1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com/ and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.