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.
China Bank UITFs and fund classifications
We offer ten UITF products designed to match your risk tolerance and investment time horizon to help you achieve your financial goals.
Money Market FundA money market fund, like China Bank Money Market Fund, China Bank Short-Term Fund, China Bank Cash Fund, and China Bank Dollar Money Market 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.
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).
Balanced FundA 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 60% of the fund, boosts the earning potential of the fund, but carries with it a higher probability of capital losses.
Equity Fund An equity fund, like China Bank Equity Fund, China Bank High Dividend Equity Fund and China Bank Philippine Equity Index Tracker Fund, is invested substantially in equities to maximize returns.
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) 8885-5841 / 8885-5875 / 8672-9644 / 8230-6904, or email firstname.lastname@example.org