Trust and Investments

At UnionBank Trust and Investment Services Group, we understand that individuals may have distinct financial needs and objectives.

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UnionBank Infinity Prime Portfolio

UnionBank Infinity Prime Fund is a peso-denominated unit investment trust fund designed to provide investors better returns than regular time deposits. It seeks capital preservation with enhanced yield by investing in a diversified portfolio of short-term, highly liquid fixed-income securities, term deposits, and other money market instruments.

 

Launch Date: September 29, 2006
Currency of Participation: Philippine Peso
Minimum Investment: PHP50,000
Return Objective: The Fund is a peso-denominated fund designed to provide investors better returns than regular time deposits. It seeks capital preservation with enhanced yields by investing in a diversified portfolio of short-term, highly liquid fixed-income securities, term deposits, and other money market instruments.
Risk Parameters: 1. Credit Risk - LOW

- Limited to Philippine government securities and investment-grade instruments

2. Market Risk - LOW

- Modified Duration limit: 3
- Value-at-Risk limit: 2% in 1 day, 99% Confidence Level

Modified Duration - is the percentage price change of a fixed income instrument for a given change in the level of interest rates. Duration of 1 means that the price of a fixed income instrument is expected to change by 1% for every 100 basis point (1%) shift in the level of interest rates. The higher the duration of an instrument, the higher its risk (all other factors kept equal).

Interest rates have an inverse relationship with fixed income prices so that an increase in interest rates generally leads to a decrease in fixed income prices and vise versa.

Value-at-Risk (VaR) – is an estimate of the magnitude of loss that a portfolio can experience within a given period of time under certain probability assumptions, or confidence level. For example, a portfolio VaR of 5% within 1 day under a 99% confidence level means that there is 99% certainty that the maximum possible loss a portfolio can experience in 1 day is 5% of its value. Said in the reverse, portfolio losses greater than 5% of its value in 1 day are possible, but the probability of such occurrence is less than 1%.

VaR is often used as a risk measurement tool in portfolio management. The VaR of a portfolio varies depending on the kinds of assets put into the portfolio and their correlation to each other. Portfolios with lowly-correlated assets (i.e. diversified portfolio) tend to have a lower VaR than portfolios with highly-correlated assets. Examples of assets with a traditionally low correlation to each other are stocks and bonds – i.e. when stock prices increase, bond prices normally decrease and vise versa.

Confidence Level – is a statistical range with a specified probability that a given parameter lies within the range. It is a range constructed from sample data (i.e. past observations). A 99% confidence level gives 99% certainty that values would fall within the specified range.

Liquidity: To ensure adequate liquidity to meet daily fund withdrawals, at least 5% of investments will be in highly liquid instruments
Initial NAV per Unit: PHP 100.00
Time Horizon: Designed for investors with a short to medium-term investment horizon

- 30-day minimum holding period
- Early redemption fee of 5% flat on redeemed amount

Regulatory: Subject to Bangko Sentral ng Pilipinas regulations governing the creation, administration and investments of Unit Investment Trust Funds as outlined in BSP Circular 447 Series of 2004 and Section UX410 of the Manual of Regulations for Banks.
Tax: Subject to regular withholding tax of 20% on interest income
Acceptance & Withdrawal Procedure: The Trustee has the option, which may be exercised when circumstances so demand, to require at least one (1) day notice for redemption or withdrawal. 
Trust Fee: 2% p.a. based on the total market value of the fund.

All Unit Investment Trust Funds (UITFs) are regulated by the Bangko Sentral ng Pilipinas. UITF investments are not insured with the PDIC and do not carry a guaranteed rate of return. Past performance is not necessarily a guide to future performance. Gains and losses are solely for the account of the investor. A copy of the BSP-approved UITF Plan is available for inspection by any UITF investor.

Historical - UnionBank Infinity Prime
Mar 27, 2017
DateNavPuYTDYOY
03/24/2017 153.422874 0.55% -0.32%
03/23/2017 153.417961 0.55% -0.32%
03/23/2017 153.373042 0.52% -0.35%
03/22/2017 153.127951 0.36% -0.55%
03/21/2017 153.056791 0.31% -0.59%
03/20/2017 153.315965 0.48% -0.44%
03/17/2017 153.293501 0.47% -0.87%
03/16/2017 153.413045 0.55% -0.74%
03/15/2017 154.000584 0.93% -0.39%
03/14/2017 153.924841 0.88% -0.41%
03/13/2017 154.063716 0.97% -0.25%
03/10/2017 154.197716 1.06% -0.21%
03/09/2017 153.843426 0.83% -0.45%
03/08/2017 154.069548 0.98% -0.13%
03/07/2017 153.798754 0.80% -0.18%
03/06/2017 154.011505 0.94% -0.35%
03/06/2017 153.798754 0.80% -0.18%
03/03/2017 153.753248 0.77% -0.34%
03/02/2017 153.767097 0.78% -0.45%
03/01/2017 153.910439 0.87% -0.10%
02/28/2017 153.911782 0.87% -0.28%
02/27/2017 153.749678 0.77% -0.39%
02/24/2017 153.693229 0.73% -0.08%
02/23/2017 153.659039 0.71% -0.07%
02/22/2017 153.614991 0.68% 0.03%
02/21/2017 153.615462 0.68% -0.23%
02/20/2017 153.745420 0.76% -0.15%
02/17/2017 153.743372 0.76% -0.19%
02/16/2017 153.736187 0.76% -0.17%
02/15/2017 153.892449 0.86% -0.07%
02/14/2017 154.095173 0.99% 0.01%
02/13/2017 153.536177 0.63% -0.35%
02/10/2017 153.571509 0.65% 0.17%
02/09/2017 153.624752 0.69% 0.38%
02/08/2017 153.528634 0.62% 0.14%
02/07/2017 153.666062 0.71% 0.23%
02/06/2017 153.706036 0.74% 0.26%
02/03/2017 153.687052 0.73% 0.23%
02/02/2017 153.464514 0.58% -0.01%
02/01/2017 153.429885 0.56% 0.04%
01/31/2017 153.427413 0.56% 0.04%
01/30/2017 153.809124 0.81% 0.29%
01/27/2017 153.798436 0.80% 0.38%
01/26/2017 153.582785 0.66% 0.19%
01/25/2017 153.593031 0.66% 0.16%
01/24/2017 153.578818 0.66% 0.19%
01/23/2017 154.175021 1.05% 0.58%
01/20/2017 154.115296 1.01% 0.23%
01/19/2017 154.068011 0.98% 0.20%
01/18/2017 153.756426 0.77% 0.04%
01/17/2017 153.657790 0.71% -0.10%
01/16/2017 153.655450 0.71% -0.10%
01/13/2017 153.707997 0.74% 0.05%
01/12/2017 153.329747 0.49% -0.22%
01/11/2017 153.294346 0.47% -0.28%
01/10/2017 154.166759 1.04% 0.24%
01/09/2017 154.172118 1.04% 0.25%
01/06/2017 154.236801 1.09%% 0.32%%
01/05/2017 154.044424 0.96%% 0.25%%
01/04/2017 152.696883 0.08% -0.56%
01/03/2017 152.658608 0.05% -0.63%
01/03/2017 152.641064 0.04% -0.64%
12/29/2016 152.580159 -0.69%% -0.68%%
12/28/2016 152.556666 -0.70% -0.65%
12/27/2016 153.956176 0.21% 0.54%
12/23/2016 153.983372 0.23% 0.56%
12/22/2016 153.936357 0.20% 0.22%
12/21/2016 154.026357 0.25% 0.40%
12/20/2016 154.066033 0.28% 0.06%
12/19/2016 153.945576 0.20% -0.02%
12/16/2016 154.074628 0.29% 0.18%
12/15/2016 153.763499 0.08% -0.30%
12/14/2016 153.722646 0.06% -0.32%
12/13/2016 153.750755 0.07% -0.25%
12/12/2016 153.623435 -0.01% -0.33%
12/09/2016 153.796939 0.10% 0.00%
12/08/2016 154.648170 0.66%% 0.37%%
12/07/2016 154.554824 0.60% 0.21%
12/06/2016 154.488701 0.55% 0.16%
12/05/2016 154.503758 0.56% 0.17%
12/02/2016 154.439346 0.52% 0.11%
12/01/2016 154.477466 0.55% 0.20%
11/29/2016 154.870342 0.80%% 0.53%%
11/28/2016 154.719623 0.71% 0.43%
11/25/2016 154.679514 0.68% 0.41%
11/24/2016 154.556475 0.60% 0.33%
11/23/2016 154.648365 0.66% 0.50%
11/22/2016 154.680643 0.68% 0.56%
11/21/2016 155.047445 0.92% 0.80%
11/18/2016 155.045938 0.92% 0.80%
11/17/2016 155.162430 0.99% 0.88%
11/16/2016 155.265089 1.06% 0.95%
11/15/2016 154.520158 0.58%% 0.26%%
11/14/2016 154.488255 0.55% 0.24%
11/11/2016 154.813261 0.77% 0.32%
11/10/2016 155.295884 1.08% 0.76%
11/09/2016 155.378102 1.13% 0.79%
11/08/2016 154.876744 0.81% 0.42%
11/07/2016 154.867253 0.80% 0.42%
11/04/2016 155.031215 0.91% 0.23%
11/03/2016 155.836485 1.43% 0.72%
11/02/2016 155.946139 1.50% 0.78%
10/28/2016 155.960430 1.51% 0.88%
10/27/2016 155.927148 1.49% 1.43%
10/26/2016 155.924641 1.49% 1.31%
10/25/2016 156.062447 1.58% 1.33%
10/24/2016 156.073779 1.59% 1.33%
10/21/2016 156.090792 1.60% 1.38%
10/20/2016 156.066335 1.58% 1.32%
10/19/2016 155.960761 1.51% 1.32%
10/18/2016 155.816562 1.42% 1.25%
10/17/2016 155.942868 1.50% 1.33%
10/14/2016 156.096726 1.60% 1.37%
10/13/2016 156.059648 1.58% 1.33%
10/12/2016 156.133735 1.63% 1.40%
10/11/2016 156.173340 1.65% 1.46%
10/10/2016 156.492813 1.86% 1.67%
10/07/2016 156.504571 1.87% 1.82%
10/06/2016 156.583399 1.92% 1.86%
10/05/2016 156.954540 2.16% 2.07%
10/04/2016 157.020423 2.20% 2.32%
10/03/2016 156.826225 2.08% 2.19%
09/30/2016 156.651684 1.96% 1.96%
09/29/2016 156.831173 2.08% 2.19%
09/28/2016 156.892755 2.12% 1.59%
09/27/2016 156.875299 2.11% 1.92%
09/26/2016 156.901055 2.13% 1.94%
09/23/2016 156.889460 2.12% 1.79%
09/22/2016 156.692643 1.99% 1.67%
09/21/2016 156.620327 1.94% 1.93%
09/20/2016 156.619497 1.94% 1.90%
09/19/2016 156.659546 1.97% 1.93%
09/16/2016 156.679041 1.98% 1.91%
09/15/2016 156.455203 1.83% 1.71%
09/14/2016 156.484850 1.85% 1.63%
09/14/2016 156.484850 1.85% 1.64%
09/13/2016 156.844514 2.09% 1.86%
09/09/2016 156.841084 2.09% 1.72%
09/08/2016 156.845000 2.09%% 1.87%%
09/07/2016 156.499875 1.86% 1.52%
09/06/2016 156.496288 1.86% 1.58%
09/05/2016 156.467530 1.84% 1.56%
09/02/2016 156.300981 1.73% 1.55%
09/01/2016 156.242247 1.70%% 1.52%%
08/31/2016 156.225462 1.69%% 1.67%%
08/30/2016 156.285757 1.72% 1.71%
08/26/2016 156.267319 1.71% 1.45%
08/25/2016 156.186853 1.66% 1.46%
08/24/2016 156.130674 1.62% 1.30%
08/23/2016 156.941133 2.15% 1.94%
08/22/2016 157.182419 2.31% 2.05%
08/19/2016 156.994107 2.19% 1.93%
08/18/2016 156.771747 2.04% 1.71%
08/17/2016 157.078197 2.24% 1.94%
08/16/2016 156.816004 2.07% 1.82%
08/15/2016 156.616329 1.94% 1.81%
08/12/2016 157.023275 2.20% 1.98%
08/11/2016 157.192129 2.31% 2.12%
08/10/2016 157.143762 2.28% 2.12%
08/09/2016 157.086366 2.25% 2.08%
08/08/2016 157.118941 2.27% 2.10%
08/05/2016 157.097932 2.25% 2.43%
08/04/2016 157.161360 2.29% 2.47%
08/04/2016 157.122451 2.27% 2.44%
08/04/2016 157.122451 2.27% 2.44%
08/03/2016 157.083438 2.24% 2.41%
08/03/2016 157.083438 2.24% 2.13%
08/02/2016 157.094213 2.25% 2.13%
08/02/2016 157.094213 2.25% 2.13%
08/01/2016 156.752836 2.03% 1.91%
08/01/2016 156.752836 2.03% 1.91%
07/29/2016 156.743212 2.02%% 1.95%%
07/29/2016 156.743212 2.02% 2.11%
07/28/2016 156.743467 2.02% 2.11%
07/28/2016 156.743467 2.02% 2.03%
07/27/2016 156.785351 2.05% 2.10%
07/26/2016 156.716880 2.01% 2.05%
07/26/2016 156.785351 2.05% 2.06%
07/26/2016 156.716880 2.01% 1.95%
07/25/2016 156.524203 1.88% 1.82%
07/25/2016 156.524203 1.88% 1.82%
07/22/2016 156.307060 1.74% 1.81%
07/22/2016 156.307060 1.74% 1.88%
07/21/2016 156.541764 1.89% 2.03%
07/21/2016 156.541764 1.89% 1.93%
07/20/2016 156.554613 1.90% 1.93%
07/20/2016 156.554613 1.90% 2.04%
07/19/2016 156.465089 1.84% 1.98%
07/19/2016 156.465089 1.84% 1.91%
07/18/2016 156.360714 1.77% 1.89%
07/18/2016 156.360714 1.77% 1.84%
07/15/2016 156.394153 1.80% 1.86%
07/15/2016 156.394153 1.80% 1.93%
07/14/2016 155.988767 1.53% 1.66%
07/14/2016 155.988767 1.53% 1.33%
07/13/2016 155.988309 1.53% 1.33%
07/13/2016 155.988309 1.53% 1.37%
07/12/2016 155.911445 1.48% 1.32%
07/12/2016 155.911445 1.48% 1.33%
07/11/2016 155.913184 1.48% 1.33%
.

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 Keep your device virus-free. Make sure you have an updated anti-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 the Safe Surfing Guidelines page 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 Keep your device virus-free. Make sure you have an updated anti-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 the Safe Surfing Guidelines page 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 Keep your device virus-free. Make sure you have an updated anti-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 the Safe Surfing Guidelines page 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 Keep your device virus-free. Make sure you have an updated anti-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 the Safe Surfing Guidelines page 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 Keep your device virus-free. Make sure you have an updated anti-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 the Safe Surfing Guidelines page 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 Keep your device virus-free. Make sure you have an updated anti-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 the Safe Surfing Guidelines page 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 Keep your device virus-free. Make sure you have an updated anti-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 the Safe Surfing Guidelines page 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 Keep your device virus-free. Make sure you have an updated anti-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 the Safe Surfing Guidelines page or call our 24-hour Customer Support at (02) 8418600.