UITF, or Unit Investment Trust Funds, typically offered by banks and trust corporations in the Philippines, prove to be a reliable investment for those looking to invest but may not have the expertise to manage their money or the time to monitor the market performance.
Without a doubt, a UITF is a good investment. But which UITF are currently the best funds in the Philippines? Which funds deserve our investment?
To help you decide, we compiled the performance of all UITF products available in the country and summarized them in our UITF 2019 Fund Rankings below. The returns shown returns of each fund from January 2019 until April 2019.
Without further ado, let’s see which ones are the best performing Philippine UITF funds below!
Top 10 Best Performing UITF in the Philippines in 2019
Here are the top UITF performers from January to April 2019, generating the 10 highest returns among all UITF products available in the Philippines.
We agree, funds should not be directly compared to each other like apples and oranges, since each one follows a different investment mandate. That’s the reason why we also show below the Top 3 rankings, where we ranked the 3 best UITF in each investment class to limit comparison to their category peers.
But if you’re looking to place money in a UITF that could give you the biggest returns, it’s good to know which ones can deliver returns. Here are the overall 10 highest yielding UITF in the Philippines from January to April 2019.
| Peso Equity Fund | Jan-Dec 2019 Return | 1-Year Return | 3-Year Return | 5-Year Return | |
|---|---|---|---|---|---|
| 1 | Philequity PSE Index Fund | 5.72% | 5.93% | 6.43% | 1.95% |
| 2 | Philippine Stock Index Fund | 5.63% | 5.85% | 6.34% | 1.90% |
| 3 | Sun Life Prosperity Philippine Stock Index Fund | 5.25% | 5.46% | 6.07% | No Data |
| 4 | United Fund | 4.86% | 5.07% | 7.37% | 2.65% |
| 5 | PAMI Equity Index Fund | 4.58% | 4.79% | 5.79% | No Data |
| 6 | Sun Life Prosperity Philippine Equity Fund | 4.21% | 4.48% | 5.45% | 0.99% |
| 7 | First Metro Consumer Fund on MSCI Phils. IMI | 3.95% | 4.21% | No Data | No Data |
| 8 | Philam Strategic Growth Fund | 3.93% | 4.26% | 4.32% | -0.01% |
| 9 | Philequity Fund | 3.87% | 4.10% | 5.64% | 0.66% |
| 10 | Philequity Dividend Yield Fund | 3.02% | 3.22% | 4.69% | 0.70% |
| 11 | First Metro Save and Learn Philippine Index Fund | 2.39% | 3.07% | 0.06% | No Data |
| 12 | First Metro Save and Learn Equity Fund | 1.36% | 1.92% | 4.23% | -0.59% |
| 13 | ALFM Growth Fund | 0.33% | 0.62% | 3.07% | -0.43% |
| 14 | Climbs Share Capital Equity Investment Fund | 0.21% | 1.20% | No Data | No Data |
| 15 | Soldivo Strategic Growth Fund | -0.60% | -0.33% | 3.07% | No Data |
| 16 | ATRAM Alpha Opportunity Fund | -4.33% | -2.68% | 2.04% | -3.36% |
| 17 | ATRAM Philippine Equity Opportunity Fund | -5.31% | -4.94% | 0.05% | -3.17% |
| 18 | MBG Equity Investment Fund | -10.98% | -12.80% | No Data | No Data |
| 19 | Philequity Alpha One Fund | No Data | No Data | No Data | No Data |
| 20 | Philequity MSCI Philippine Index Fund | No Data | No Data | No Data | No Data |
Top 3 Best UITF by Investment Category (2019)
Since each fund is geared towards a certain customer segment and follows a different investment philosophy, it would be nice to compare only the funds within the same asset category.
Thus we also provide below the Top 3 UITF investments that generated the highest profits in each investment class. These are the funds that outperformed other funds belonging to the same class or category. You will notice that some of the “Top Funds” in the list show a negative return. They were still included in the list because they incurred the least amount of loss among their peers, hence, they’re still technically “top performers”.
Check out below which banks or financial institutions offered the best UITF per asset class, from January 2019 until April 15, 2019.
Top 3 PSEi Index Tracker UITF in 2019
| Rank | Mutual Fund | Type | 2018 Return (in %) |
| 1 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.25% |
| 2 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 2.79% |
| 3 | ALFM Money Market Fund | Money Market Mutual Fund | 2.73% |
| 4 | Philam Managed Income Fund | Money Market Mutual Fund | 2.08% |
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 1.86% |
| 6 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.34% |
| 7 | Philequity Peso Bond Fund | Bond Mutual Fund | 0.25% |
| 8 | First Metro Save and Learn Fixed Income Fund | Bond Mutual Fund | -0.33% |
| 9 | Sun Life of Canada Prosperity Bond Fund | Bond Mutual Fund | -0.44% |
| 10 | Sun Life Prosperity GS Fund | Bond Mutual Fund | -0.70% |
Top 3 Managed Equity UITF in 2019
| Rank | Mutual Fund | Type | 2018 Profit (Loss) % |
|---|---|---|---|
| 1 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.25% |
| 2 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 2.79% |
| 3 | ALFM Money Market Fund | Money Market Mutual Fund | 2.73% |
| 4 | Philam Managed Income Fund | Money Market Mutual Fund | 2.08% |
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 1.86% |
| 6 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.34% |
| 7 | Philequity Peso Bond Fund | Bond Mutual Fund | 0.25% |
| 8 | First Metro Save and Learn Fixed Income Fund | Bond Mutual Fund | -0.33% |
| 9 | Sun Life of Canada Prosperity Bond Fund | Bond Mutual Fund | -0.44% |
| 10 | Sun Life Prosperity GS Fund | Bond Mutual Fund | -0.70% |
Top 3 Equity Dividend UITF in 2019
| From Table No. 2 | SSS Contribution Table for Kasambahay |
|---|---|
| Range of Compensation | P5,750 - P6,249.99 |
| Monthly Salary Credit | P6,000 |
| Total Contribution - EMPLOYER (ER) | P240 |
| Total Contribution - EMPLOYEE (EE) | P490 |
| Total Contribution to be Remitted to SSS | P730 |
Top 3 Balanced UITF in 2019
| From Table No. 2 | SSS Contribution Table for Kasambahay |
|---|---|
| Range of Compensation | P2,750 – P3,249.99 |
| Monthly Salary Credit | P3,000 |
| Total Contribution - EMPLOYER (ER) | P370 |
| Total Contribution - EMPLOYEE (EE) | 0 |
| Total Contribution to be Remitted to SSS | P370 |
Top 3 Long-Term Bond UITF in 2019
| From Table No. 3 | SSS Contribution Table for Land-based OFW |
|---|---|
| Range of Compensation | P19,750 and above |
| Monthly Salary Credit | P20,000 |
| Total Contribution - EMPLOYER (ER) | 0 |
| Total Contribution - EMPLOYEE (EE) | P2,400 |
| Total Contribution to be Remitted to SSS | P2,400 |
Top 3 Medium-Term Bond UITF in 2019
| Rank | Mutual Fund / ETF | Type | Jan-Dec 2019 Return |
|---|---|---|---|
| 1 | Philam Bond Fund | Bond Fund | 11.54% |
| 2 | Sun Life of Canada Prosperity Bond Fund | Bond Fund | 11.18% |
| 3 | Sun Life Prosperity GS Fund | Bond Fund | 10.47% |
| 4 | Soldivo Bond Fund | Bond Fund | 8.16% |
| 5 | PAMI Horizon Fund | Balanced Fund | 7.62% |
| 6 | Philequity Peso Bond Fund | Bond Fund | 7.38% |
| 7 | First Metro Save and Learn Fixed Income Fund | Bond Fund | 6.97% |
| 8 | Philam Fund | Balanced Fund | 6.88% |
| 9 | NCM Mutual Fund of the Phils. | Balanced Fund | 6.51% |
| 10 | Philam Managed Income Fund | Money Market Fund | 6.29% |
Top 3 Intermediate-Term Bond UITF in 2019
| Rank | Mutual Fund | Type | 2017 Profit (Loss) % |
|---|---|---|---|
| 1 | Philequity PSE Index Fund | Equity Mutual Fund | 24.71% |
| 2 | United Fund | Equity Mutual Fund | 24.57% |
| 3 | Sun Life Prosperity Philippine Stock Index Fund | Equity Mutual Fund | 24.56% |
| 4 | Philippine Stock Index Fund | Equity Mutual Fund | 24.39% |
| 5 | PAMI Equity Index Fund | Equity Mutual Fund | 24.08% |
| 6 | Philequity Fund | Equity Mutual Fund | 23.01% |
| 7 | Sun Life Prosperity Philippine Equity Fund | Equity Mutual Fund | 22.04% |
| 8 | First Metro Save and Learn Equity Fund | Equity Mutual Fund | 22.02% |
| 9 | ALFM Growth Fund | Equity Mutual Fund | 21.77% |
| 10 | ATRAM Alpha Opportunity Fund | Equity Mutual Fund | 21.46% |
Top 3 Money Market UITF in 2019
| Rank | Mutual Fund | Type | 2016 Profit (Loss) % |
|---|---|---|---|
| 1 | ATRAM Alpha Opportunity Fund | Equity Mutual Fund | 11.71% |
| 2 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.85% |
| 3 | ATRAM Philippine Equity Opportunity Fund | Equity Mutual Fund | 4.86% |
| 4 | ATRAM Philippine Balanced Fund | Balanced Mutual Fund | 3.39% |
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 2.06% |
| 6 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 1.90% |
| 7 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.56% |
| 8 | Philam Bond Fund | Bond Mutual Fund | 1.22% |
| 9 | ALFM Money Market Fund | Money Market Mutual Fund | 1.13% |
| 10 | Soldivo Bond Fund | Bond Mutual Fund | 0.51% |
*PinoyMoneyTalk’s Guide on How to Invest in Franchises, UITF, Mutual Funds, and ETF:
- 100 Best Franchises in the Philippines below P1 Million
- UITF Investing Guide 101: How to Invest in Unit Investment Trust Funds
- Top 10 Best Mutual Funds in the Philippines
- Investing in Exchange Traded Funds (ETF)
Disappointed that you cannot find your UITF investment in the Top 3 list above? If it’s not in the list, then you can see its performance by scrolling down to our complete UITF Fund Rankings and Performance Report below, showing all fund performances from January 2019 until April 2019.
But if you’re just deciding whether to start investing in UITF and are wondering which type is the appropriate investment for you, why not take this free “Investor Profile Assessment” to help you understand your investment personality?
This quiz is a short questionnaire, with seven (7) questions intended to help you assess your investment behavior, and in the end, giving you a suggestion if you’re fit to invest in UITF and, if yes, which UITF fund type is perfect for you.
Quiz: Are you ready to invest in UITF?
Choose one statement that best describes your agreement to each of the 7 questions below. There are no right or wrong answers, so answer honestly and objectively!
The result of this assessment will show you if you are ready to invest in Unit Investment Trust Funds (UITF) and, if you are, which UITF type may be appropriate for you. Ready, set, go!
What type of investor are you?
Based on the result of your Investor Profile Assessment, what type of investor are you?
[poll id=”31″]
If you’re looking to begin your UITF investment journey today, start with the information below showing relevant information about banks and trust corporations in the Philippines. This gives you an overview of Unit Investment Trust Funds (UITF) being offered in the Philippines and how to open an account with them.
How to Invest in BDO UITF
To open a UITF investment account with Banco de Oro (BDO), you may: (1) visit any BDO branch; or (2) use their online banking facility or mobile app, if you’re an existing BDO customer.
If you’re opening an account in a BDO branch, inquire with their staff assigned to UITF about BDO’s investment products. They’re usually accommodating and will answer questions you may have regarding UITF.
Just bring a photocopy of your 2 valid IDs and fill out these account opening forms to be provided to you by BDO:
- One (1) set of Customer Account Record
- One (1) set of Signature Card
- Investor Profile Questionnaire (IPQ)
- Client Investment Suitability (CIS)
- Risk Disclosure Statement (RDS)
- Declaration of Investor/s
- Omnibus Participating Trust Agreement
Alternatively, if you’re already an existing BDO customer, you may open a UITF account via BDO online banking or mobile app.
Just go to the “Trust and Investments” section and answer the UITF Investor Questinnaire. If you’re a first-time UITF investor, you will receive a call from a BDO Trust and Investments Group (TIG) representative within two (2) banking days to evaluate your risk profile and to explain to you the risks involved in UITF investing.
Now if you wish to contribute regularly to your UITF account, you may participate in BDO’s Easy Investment Plan (EIP) in which the minimum required amount is P1,000 every month. You may set this up also in the “Trust and Investments” section of the app or online banking website.
What are the different types of BDO UITF and how much is the minimum amount needed to open an account? Here’s a list of BDO’s UITF products available to you.
BDO Focused Equity Fund
- Fund Type: Equity Fund
- Fund Description: BDO’s Focused Equity Fund aims to pursue long-term capital growth by investing in a concentrated portfolio of exchange-listed stocks traded in the Philippine Stock Exchange (PSE).
- Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
- Minimum Holding Period: 30 days
- Early Redemption Fee: 1.00% of original participation amount
- Management Fee: 1.50% per annum
- Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
BDO Sustainable Dividend Fund
- Fund Type: Equity Fund
- Fund Description: BDO’s Sustainable Dividend Fund aims to achieve long-term capital appreciation by investing in a diversified portfolio of attractively priced exchange-listed (PSE) stocks with sustainable dividend yields.
- Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
- Minimum Holding Period: 30 days
- Early Redemption Fee: 1.00% of original participation amount
- Management Fee: 1.25% per annum
- Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
BDO ESG Equity Fund
- Fund Type: Equity Fund
- Fund Description: BDO’s ESG Equity Fund aims for long-term capital appreciation by substantially investing in listed companies which the Trustee believes to exhibit good environmental, social and governance (ESG) practices.
- Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
- Minimum Holding Period: 30 days
- Early Redemption Fee: 1.00% of original participation amount
- Management Fee: 1.00% per annum
- Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
BDO Equity Index Fund
- Fund Type: Equity Fund
- Fund Description: BDO’s Equity Index Fund aims to achieve a total return which reflects the return of the Philippine Stock Exchange index (PSEi) by investing in a diversified portfolio of stocks that so far as practicable consists of the component companies of the PSEi.
- Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
- Minimum Holding Period: 30 days
- Early Redemption Fee: 0.50% of original participation amount
- Management Fee: 1.00% per annum
- Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
EPCIB Equity Fund
- Fund Type: Equity Fund
- Fund Description: BDO’s EPCIB Equity Fund primarily aims for capital growth over the medium to long-term by investing in a selection of exchange-listed equities.
- Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
- Minimum Holding Period: 30 days
- Early Redemption Fee: 1.00% of original participation amount
- Management Fee: 1.00% per annum
- Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
BDO Peso Balanced Fund
- Fund Type: Balanced Fund
- Fund Description: BDO’s Peso Balanced Fund aims to achieve capital appreciation over the medium-term by investing in a portfolio of equity securities and short to long-term fixed income securities. The allocation for equity securities shall be between 40% to 60% of the portfolio or any other allocation range that may be prescribed by the Trust Officers Association of the Philippines (TOAP) in consultation with regulatory authorities.
- Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
- Minimum Holding Period: 30 days
- Early Redemption Fee: 0.50% of original participation amount
- Management Fee: 1.00% per annum
- Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
BDO Peso Bond Fund
- Fund Type: Bond Fund
- Fund Description: BDO’s Peso Bond Fund aims to provide a high level of income with preservation of capital and maintenance of liquidity by investing in a combination of short to long-term fixed-income securities.
- Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
- Minimum Holding Period: 30 days
- Early Redemption Fee: 0.50% of original participation amount
- Management Fee: 1.00% per annum
- Settlement Date: T+1 or one (1) banking day after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
BDO GS Fund
- Fund Type: Medium-Term Bond Fund
- Fund Description: BDO’s GS Fund aims for capital preservation and income generation from investments in a diversified portfolio consisting of selected government securities that can provide higher yields.
- Required Minimum Investment: P100,000.00 (One Hundred Thousand Pesos)
- Minimum Holding Period: 30 days
- Early Redemption Fee: 0.50% of original participation amount
- Management Fee: 1.00% per annum
- Settlement Date: T+1 or one (1) banking day after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
BDO Short Term Fund
- Fund Type: Money Market Fund
- Fund Description: BDO’s Short Term Fund aims for capital preservation and income generation by investing in a diversified portfolio of fixed income instruments with average duration of less than one (1) year.
- Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
- Minimum Holding Period: None (No holding period)
- Early Redemption Fee: None
- Management Fee: 0.25% per annum
- Settlement Date: T+1 or one (1) banking day after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
BDO Peso Money Market Fund
- Fund Type: Money Market Fund
- Fund Description: BDO’s Peso Money Market Fund aims to preserve capital and generate income from low-risk fixed-income securities with a portfolio weighted average life of not more than one (1) year.
- Required Minimum Investment: P100,000.00 (One Hundred Thousand Pesos)
- Minimum Holding Period: None (No holding period)
- Early Redemption Fee: None
- Management Fee: 0.25% per annum
- Settlement Date: T+0 or after 4:00 p.m. on the same banking day after withdrawal and notice of redemption is received
- How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app
How to Invest in BPI UITF
You may open a BPI UITF account in three ways: by visiting a BPI branch, via their online banking website, and via the BPI mobile banking app.
To open a UITF investment account in a BPI branch, simply speak to a certified UITF marketing personnel in the BPI branch. The account opening requirements you need to have are:
- One (1) valid ID
- At least P10,000 initial investment
- A regular BPI savings or checking account to be used as your settlement account (note that you will be asked to open one if you’re not an existing BPI customer, so prepare a separate amount that you will deposit to that account)
You will then be asked to fill out a “Client Suitability Assessment” which will determine which UITF product is suited for you.
If you’re an existing client already using BPI online banking or mobile app, you may open a UITF account by going to the “Investments” section and choosing which UITF product you want to invest in. First-time investors will be required to fill out the online “Client Suitability Assessment” before you will be allowed to make an investment.
What are the different BPI UITF available to you? Check out our list below, complete with details about minimum investment, holding period, and settlement dates.
BPI Philippine Equity Index Fund
| Fund Type | Equity Fund (Index Fund) |
| Fund Description | The Fund aims to achieve returns that track the performance of the Philippine Stock Exchange Index (PSEi) by investing in a diversified portfolio of stocks comprising the PSEi in the same weights as the index. The Fund aims to provide a return that tracks the performance of the PSEi. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 1.00% |
| Settlement Date | T+3 or 3 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Equity Value Fund
| Fund Type | Equity Fund |
| Fund Description | The Fund intends to achieve long-term capital growth by investing in equity securities in the Philippines, with the aim to provide returns in excess of the return of the Philippine Stock Exchange index (PSEi). |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 1.50% |
| Settlement Date | T+3 or 3 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Philippine High Dividend Equity Fund
| Fund Type | Equity Fund |
| Fund Description | The Fund aims to achieve total return through a combination of current income and long-term capital appreciation by investing in PSE-listed companies that have high dividend yields or have established a history of dividend payouts. The Fund aims to provide returns in excess of the Philippine Stock Exchange Index (PSEi). |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 1.50% |
| Settlement Date | T+3 or 3 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Philippine Consumer Equity Index Fund
| Fund Type | Equity Fund (Index Fund) |
| Fund Description | The Fund aims to achieve returns that track the performance of the BPI Philippine Consumer Equity Index by investing in a diversified portfolio of stocks in the same weights as the index. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 1.00% |
| Settlement Date | T+3 or 3 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Philippine Infrastructure Equity Index Fund
| Fund Type | Equity Fund (Index Fund) |
| Fund Description | The Fund aims to achieve returns that track the performance of the BPI Philippine Infrastructure Equity Index by investing in a diversified portfolio of stocks in the same weights as the index. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 1.00% |
| Settlement Date | T+3 or 3 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Catholic Values Global Equity Feeder Fund
| Fund Type | Equity Fund (Feeder Fund) |
| Fund Description | The Fund operates as a Feeder Fund, intending to achieve long-term capital growth by investing in a Target Fund that selects securities based on Catholic ethical, environmental, social, and governance metrics. The Fund uses the MSCI All Country World Index (PhP) as its benchmark. |
| Required Minimum Investment | P100,000 (One Hundred Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 0.50% |
| Settlement Date | T+7 or 7 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Balanced Fund
| Fund Type | Balanced Fund |
| Fund Description | The Fund aims to achieve long-term capital growth by investing in a diversified portfolio of equity and fixed income securities. The Fund aims to provide excess return over the composite benchmark, 50% Philippine Stock Exchange index (PSEi) and 50% return of the 91-day Treasury Bill, net of tax. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 1.50% |
| Settlement Date | T+3 or 3 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Bayanihan Balanced Fund
| Fund Type | Balanced Fund |
| Fund Description | The Fund aims to achieve long-term capital growth derived from a diversified portfolio of equity and fixed income securities, with 5% to 20% equities exposure. It aims to provide absolute returns in excess of the return of the composite benchmark, 90% BPI Philippine 1-3 Year Index and 10% Philippine Stock Exchange Index net of tax. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 0.30% |
| Settlement Date | T+3 or 3 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
ABF Philippines Bond Index Fund
| Fund Type | Bond Fund (Index Fund) |
| Fund Description | The Fund aims to achieve returns that closely track the total return of the iBoxx ABF Philippines index, before fees and expenses, by investing in a diversified portfolio of peso-denominated sovereign, quasi-sovereign, and supranational bonds. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 0.08% |
| Management Fee | Depending on fund’s NAV: Up to P3 billion (0.274%); P3 to P6 billion (0.252%); P6 to P10 billion (0.230%); At least P10 billion (0.186%) |
| Settlement Date | T+1 or 1 day after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Premium Bond Fund
| Fund Type | Bond Fund (Intermediate Term) |
| Fund Description | The Fund aims to achieve capital appreciation and income derived from a diversified portfolio of primarily medium-term fixed income instruments. The Fund aims to provide absolute returns in excess of the return of the BPI Philippine Government Bond 1-3 Year Index. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 1.50% |
| Settlement Date | T+0 or within the same day after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Fixed Income Portfolio Fund-of-Funds
| Fund Type | Bond Fund (Fund-of-Funds) |
| Fund Description | The Fund operates as a Fund-of-Funds, with the aim to achieve principal protection by investing in a diversified portfolio of primarily domestic money market and bond collective investment schemes. The Fund aims to provide excess return over the BPI Philippine Government Bond Index. |
| Required Minimum Investment | P1,000,000 (One Million Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | Waived (Trust fees are collected at the target fund level) |
| Settlement Date | T+3 or 3 days after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Short-Term Fund
| Fund Type | Money Market Fund |
| Fund Description | The Fund aims to generate liquidity and stable income by investing in a diversified portfolio of primarily short-term fixed income instruments. The Fund aims to provide excess return over the return of the 91-day Philippine Treasury Bill, net of tax. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 0.50% |
| Settlement Date | T+0 or within the same day after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
BPI Money Market Fund
| Fund Type | Money Market Fund |
| Fund Description | The Fund aims to achieve liquidity and stable income derived from a diversified portfolio of primarily short-term fixed income instruments. The Fund aims to provide excess return over the return of the 91-day Philippine Treasury Bill, net of tax. |
| Required Minimum Investment | P10,000 (Ten Thousand Pesos) |
| Minimum Holding Period | None |
| Early Redemption Fee | None |
| Trust Fee | 0.25% |
| Settlement Date | T+0 or within the same day after withdrawal notice is received |
| How to Invest | Visit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements) |
All UITF Fund Rankings (Jan-April 2019)
PSEi Equity Index Tracker UITF Performance 2019
* PSEi Index Tracker Funds are funds intended to mirror the performance of the Philippine Stock Exchange index (PSEi). They are passively managed with the goal of replicating, not beat, the returns of the index being tracked.
| Rank | Mutual Fund | Type | 2018 Return (in %) |
| 1 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.25% |
| 2 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 2.79% |
| 3 | ALFM Money Market Fund | Money Market Mutual Fund | 2.73% |
| 4 | Philam Managed Income Fund | Money Market Mutual Fund | 2.08% |
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 1.86% |
| 6 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.34% |
| 7 | Philequity Peso Bond Fund | Bond Mutual Fund | 0.25% |
| 8 | First Metro Save and Learn Fixed Income Fund | Bond Mutual Fund | -0.33% |
| 9 | Sun Life of Canada Prosperity Bond Fund | Bond Mutual Fund | -0.44% |
| 10 | Sun Life Prosperity GS Fund | Bond Mutual Fund | -0.70% |
Actively Managed Equity UITF Performance 2019
* Actively Managed Funds are UITF that are primarily invested in the Philippine stock market with the goal of achieving alpha returns that beat the PSEi.
| Rank | Mutual Fund | Type | 2018 Return (in %) |
| 1 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.25% |
| 2 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 2.79% |
| 3 | ALFM Money Market Fund | Money Market Mutual Fund | 2.73% |
| 4 | Philam Managed Income Fund | Money Market Mutual Fund | 2.08% |
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 1.86% |
| 6 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.34% |
| 7 | Philequity Peso Bond Fund | Bond Mutual Fund | 0.25% |
| 8 | First Metro Save and Learn Fixed Income Fund | Bond Mutual Fund | -0.33% |
| 9 | Sun Life of Canada Prosperity Bond Fund | Bond Mutual Fund | -0.44% |
| 10 | Sun Life Prosperity GS Fund | Bond Mutual Fund | -0.70% |
Equity Dividend UITF Performance 2019
* Dividend Funds are UITF whose portfolio includes PSE stocks with high dividend yields.
| Rank | Mutual Fund | Type | 2018 Return (in %) |
| 1 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.25% |
| 2 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 2.79% |
| 3 | ALFM Money Market Fund | Money Market Mutual Fund | 2.73% |
| 4 | Philam Managed Income Fund | Money Market Mutual Fund | 2.08% |
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 1.86% |
| 6 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.34% |
| 7 | Philequity Peso Bond Fund | Bond Mutual Fund | 0.25% |
| 8 | First Metro Save and Learn Fixed Income Fund | Bond Mutual Fund | -0.33% |
| 9 | Sun Life of Canada Prosperity Bond Fund | Bond Mutual Fund | -0.44% |
| 10 | Sun Life Prosperity GS Fund | Bond Mutual Fund | -0.70% |
Balanced UITF Performance 2019
* Balanced Funds are funds invested in a mixed portfolio of fixed-income securities (bonds) and stocks, wherein investment in stocks may comprise up to a maximum of 40% to 60% of the fund’s portfolio.
| Rank | Mutual Fund | Type | 2017 Return (in %) | ||
| 1 | ATRAM Alpha Opportunity Fund | Equity Mutual Fund | 11.71% | ||
| 2 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.85% | ||
| 3 | ATRAM Philippine Equity Opportunity Fund | Equity Mutual Fund | 4.86% | ||
| 4 | ATRAM Philippine Balanced Fund | Balanced Mutual Fund | 3.39% | ||
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 2.06% | ||
| 6 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 1.90% | ||
| 7 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.56% | ||
| 8 | Philam Bond Fund | Bond Mutual Fund | 1.22% | ||
| 9 | ALFM Money Market Fund | Money Market Mutual Fund | 1.13% | ||
| 10 | Soldivo Bond Fund | Bond Mutual Fund | 0.51% | ||
Long-Term Bonds UITF Performance 2019
* Long-Term Bond Funds are UITF primarily invested in fixed-income securities with portfolio duration of at least 5 years.
| Rank | Mutual Fund | Type | 2017 Return (in %) | ||
| 1 | ATRAM Alpha Opportunity Fund | Equity Mutual Fund | 11.71% | ||
| 2 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.85% | ||
| 3 | ATRAM Philippine Equity Opportunity Fund | Equity Mutual Fund | 4.86% | ||
| 4 | ATRAM Philippine Balanced Fund | Balanced Mutual Fund | 3.39% | ||
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 2.06% | ||
| 6 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 1.90% | ||
| 7 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.56% | ||
| 8 | Philam Bond Fund | Bond Mutual Fund | 1.22% | ||
| 9 | ALFM Money Market Fund | Money Market Mutual Fund | 1.13% | ||
| 10 | Soldivo Bond Fund | Bond Mutual Fund | 0.51% | ||
Medium-Term Bonds UITF Performance 2019
* Medium-Term Bond Funds are invested primarily in fixed-income securities with portfolio duration of up to 5 years.
| Rank | Mutual Fund | Type | 2017 Return (in %) | ||
| 1 | ATRAM Alpha Opportunity Fund | Equity Mutual Fund | 11.71% | ||
| 2 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.85% | ||
| 3 | ATRAM Philippine Equity Opportunity Fund | Equity Mutual Fund | 4.86% | ||
| 4 | ATRAM Philippine Balanced Fund | Balanced Mutual Fund | 3.39% | ||
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 2.06% | ||
| 6 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 1.90% | ||
| 7 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.56% | ||
| 8 | Philam Bond Fund | Bond Mutual Fund | 1.22% | ||
| 9 | ALFM Money Market Fund | Money Market Mutual Fund | 1.13% | ||
| 10 | Soldivo Bond Fund | Bond Mutual Fund | 0.51% | ||
Intermediate-Term Bonds UITF Performance 2019
* Intermediate-Term Bond Funds are invested primarily in fixed-income securities with portfolio duration of up to 3 years.
| Rank | Mutual Fund | Type | 2017 Return (in %) | ||
| 1 | ATRAM Alpha Opportunity Fund | Equity Mutual Fund | 11.71% | ||
| 2 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.85% | ||
| 3 | ATRAM Philippine Equity Opportunity Fund | Equity Mutual Fund | 4.86% | ||
| 4 | ATRAM Philippine Balanced Fund | Balanced Mutual Fund | 3.39% | ||
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 2.06% | ||
| 6 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 1.90% | ||
| 7 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.56% | ||
| 8 | Philam Bond Fund | Bond Mutual Fund | 1.22% | ||
| 9 | ALFM Money Market Fund | Money Market Mutual Fund | 1.13% | ||
| 10 | Soldivo Bond Fund | Bond Mutual Fund | 0.51% | ||
Money Market UITF Performance 2019
* Money Market Funds are funds primarily invested in short-term fixed-income deposits, and securities with portfolio duration of one year or less.
| Rank | Mutual Fund | Type | 2018 Return (in %) |
| 1 | Cocolife Fixed Income Fund | Bond Mutual Fund | 5.25% |
| 2 | Sun Life Prosperity Money Market Fund | Money Market Mutual Fund | 2.79% |
| 3 | ALFM Money Market Fund | Money Market Mutual Fund | 2.73% |
| 4 | Philam Managed Income Fund | Money Market Mutual Fund | 2.08% |
| 5 | ALFM Peso Bond Fund | Bond Mutual Fund | 1.86% |
| 6 | Ekklesia Mutual Fund | Bond Mutual Fund | 1.34% |
| 7 | Philequity Peso Bond Fund | Bond Mutual Fund | 0.25% |
| 8 | First Metro Save and Learn Fixed Income Fund | Bond Mutual Fund | -0.33% |
| 9 | Sun Life of Canada Prosperity Bond Fund | Bond Mutual Fund | -0.44% |
| 10 | Sun Life Prosperity GS Fund | Bond Mutual Fund | -0.70% |
Disclaimer: PinoyMoneyTalk’s article is merely for information purposes and is not meant to replace a finance professional’s advice or to solicit any investments. Conduct due diligence before making the decision to invest.
Please note that although the rate of return is typically a good measure of fund performance, other factors such as consistency of returns and degree of risk exposure must also be considered. A fund’s historical performance is not and cannot be a guarantee of future returns.
Fund rankings and returns were sourced from Bloomberg and the Trust Officers Association of the Philippines.