The Chinabank Balanced Fund offers investors capital appreciation through price gains and a steady stream of interest income by investing in a mix of high-grade fixed-income financial instruments including government securities and corporate bonds and notes issued by prime Philippine corporations, and choice equity issues listed in the Philippine Stock Exchange (PSE). Up to 60% of the Fund may be invested in stocks at any point in time with the balance in fixed-income securities.The Fund caters to investors who have an aggressive risk appetite, are willing to assume higher levels of risk involving volatility of returns in consideration for potentially better long-term results, and have an investment horizon of at least five (5) years.​

Fund Classification   
Multi-Asset Fund

Minimum Initial Subscription
Php5,000.00

Minimum Additional Subscription
Php1,000.00

Minimum Maintaining Amount
Php5,000.00

Minimum Holding Period 
Thirty (30) calendar days

Subscription/Redemption Cut-Off Time
12:00 noon on any banking day via Branch or Chinabank Digital Platforms

Redemption Settlement Date
Three (3) banking days from date of notification

Early Redemption Fee
1.00% of the amount of proceeds if redeemed within the Minimum Holding Period

Trust Fees
1.00% p.a.

Other Fees
Custodianship Fee
Audit Fee

Mode of Participation/Redemption
Unit Method based on prevailing Net Asset Value per Unit (NAVPu) at the end of the subscription/redemption notification day

Valuation Methodology
Marking-to-Market

UITF Disclosures: 

1. The UITF is a Trust product and not a deposit account, and is not insured nor governed by the PDIC.
2. The UITF is not an obligation of, nor guaranteed, nor insured by the Trust entity or its affiliates or subsidiaries. 
3. Due to the nature of the investments of a UITF, the returns/yields cannot be guaranteed. Historical performance, when presented, is purely for reference purposes and is not a guarantee of similar future performance.
4. Any losses and income arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, are for the account of the client. As such, the units of participation of the client in the UITF, when redeemed, may be worth more or worth less than his/her initial investment/contribution.
5. The trustee is not liable for losses unless upon willful default, bad faith or gross negligence.
6. The investor must read the complete details of the fund in the UITF's plan, make his/her own risk assessment, and when necessary, seek an independent/professional opinion before making an investment.