Chinabank Cash Fund

The Chinabank Cash Fund is the most basic UITF variant with minimal risk. It not only offers investors a high level of liquidity, but at the same time, better-than-regular deposit returns by investing in a portfolio of special savings and time deposits issued by banks. The Fund caters to investors who have a conservative risk appetite, have regular cash flow requirements, wants higher returns than regular savings accounts, and have an investment horizon of not more than 1 year.‚Äč

Fund Classification
Money Market Fund

Minimum Initial Subscription

Minimum Additional Subscription

Minimum Maintaining Amount

Minimum Holding Period
Three (3) banking days

Subscription/Redemption Cut-Off Time
On any banking day:

  • via Branch - 12:00 noon
  • via Chinabank Digital - 12:00 noon 
  • via Chinabank Online - 11:00 am

Redemption Settlement Date
Same day as the date of notification

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

Trust Fees
0.15% p.a.

Other Fees
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

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.

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