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About China Bank
Unit Investment Trust Funds

Investing on your own requires a considerable amount of time, work, and knowledge of various financial instruments and the investment environment.  Invest in China Bank UITFs and our professional fund managers will take care of your investment, give you advice so you can make wise financial choices, and support you as you build your investment portfolio.

A UITF is an open-ended pooled investment highly regulated by the Bangko Sentral ng Pilipinas (BSP).  “Open-ended” means you can invest or redeem your investments at any time, subject to the UITF guidelines.  “Pooled” means that your money is collectively invested by our fund managers with other investors’ money in various high-grade financial instruments—normally available only to big investors—with the aim of maximizing returns within reasonable risk levels.

Benefits

  • Affordable
    Gain access to high-grade investment securities at a low minimum investment amount of P10,000.
  • Potential higher returns
    Enjoy better returns, especially if you stay invested for at least one year.
  • Liquidity
    You have the option to redeem your investment anytime after the lapse of the minimum holding period. 
  • Professional fund management
    Our highly skilled and experienced fund managers invests in various types of securities with the aim of maximizing returns within reasonable risk levels, and diligently monitors market developments to take advantage of opportunistic buying and selling.

China Bank UITFs and fund classifications

We offer nine UITF products designed to match your risk tolerance and investment time horizon to help you achieve your financial goals.

Product Fund Classification Recommended
Risk Profile of Client
China Bank Money Market Fund Money Market Fund Conservative
China Bank Short-Term Fund Money Market Fund Moderate
China Bank Cash Fund Money Market Fund Conservative
China Bank Intermediate Fixed-Income Fund Bond Fund Moderate
China Bank Fixed Income Fund Bond Fund Moderate
China Bank Dollar Fund Bond Fund Moderate
China Bank Balanced Fund Balanced Fund Aggressive
China Bank Equity Fund Equity Fund Aggressive
China Bank High Dividend Equity Fund Equity Fund Aggressive

Money Market Fund
A money market fund, like China Bank Money Market Fund, China Bank Short-Term Fund, and China Bank Cash Fund, is principally invested in short-term deposits and fixed-income securities with portfolio duration of one year or less, with the objective of preserving capital and generating income from low-risk investments.

  • Suitable for investors with “conservative to moderate” risk profile
  • Expected return is higher than savings accounts or time deposits, but lower compared to other types of UITFs, e.g. bond or equity funds

Bond Fund
A bond fund is invested purely in fixed-income securities with portfolio duration which may exceed one year.  Longer-term bonds are more sensitive to interest rate changes than shorter-term bonds, but with higher accrual rates.  Depending on your investment horizon, you can choose among China Bank Intermediate Fixed-Income Fund, an intermediate-term bond fund (up to three years), China Bank Fixed Income Fund, a long-term bond fund (over five years), and China Bank Dollar Fund, a dollar-denominated medium-term bond fund (up to 5 years).

  • Suitable for investors with “moderate” risk profile
  • Expected return is relatively higher than money market funds
  • High probability of deviations from expected returns in the short run
  • Degree of deviation is directly related to the tenor of the underlying securities

Balanced Fund
A balanced fund, like China Bank Balanced Fund, is invested in a combination of fixed-income securities—for a steady inflow of earnings—and equities—for capital appreciation.  The equity component, which can be up to a maximum of 40% to 60% of the fund, boosts the earning potential the fund, but carries with it a higher probability of capital losses.

  • Suitable for investors with “aggressive” risk profile
  • Expected return is relatively higher compared to purely fixed-income funds 
  • High probability of deviations from expected returns in the short run
  • Degree of deviation is wider because of equity component


Equity Fund
An equity fund, like China Bank Equity Fund and China Bank High Dividend Equity Fund, is invested substantially in equities of up to 90% of the fund to maximize returns.

  • Suitable for investors with “aggressive” risk profile and longer investment horizon of at least one year
  • Expected return is high due to capital appreciation and dividend payments.  Conversely, losses may be big also due to market volatility 
  • High probability of deviations from expected returns in the short-run
  • Degree of deviation closely correlated with the inherent volatility of the stock market

To invest in China Bank UITFs or to know more, please visit any China Bank branch or call China Bank Trust and Asset Management Group - Sales and Marketing Division at (632) 885-5841 / 672-9633 / 672-9634 / 230-6904, or email online@chinabank.com.ph

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