UITF Product Comparison

Choose the right Unit Investment Trust Fund (UITF) product depending on your investment needs, risk tolerance, and financial goals. 

Peso Fixed Income Funds

  Money Market Fund Short-Term Fixed Income Fund Medium-Term Fixed Income Fund Long-Term Fixed Income Fund
Fund Classification Money Market Fixed Income Fixed Income Fixed Income
Maximum Recommended Duration One (1) Year Two (2) Years Five (5) Years Ten (10) Years
Fund Strategy Actively-Managed Actively-Managed Passively-Managed / Index Tracker Passively-Managed / Index Tracker
Benchmark Philippines Peso TD Rate 1-3 months net of tax (PPTD1M3M Index) 50% Bloomberg Philippine Sovereign Bond Index 1-3 Year, net of tax (adjusted by Sun Life) (BPHIL13N Index) + 50% Philippines Peso TD Rate 1-3 months net of tax (PPTD1M3M Index) Bloomberg Philippine Sovereign Bond Index 1-5 Year, net of tax (adjusted by Sun Life) Bloomberg Philippine Sovereign Bond Index 5+ Year, net of tax (adjusted by Sun Life)
Investment Objective/s Preserve capital and generate stable income Generate income and potential returns that are higher than money market instruments (1) Provide consistent source of return whether from total return or accrual stability while taking into consideration mark to market volatility and (2) Mimic the Benchmark Government Securities (i.e. Fixed Income Index Tracker) 
Risk Classification Conservative Moderately Conservative Moderately Conservative Moderate
Minimum Investment Amount Class A: P5,000
Class B: P5,000,000		 Class A: P5,000
Class B: P15,000,000		 Class A: P5,000
Class B: P15,000,000		 Class A: P5,000
Class B: P15,000,000
Holding Period None Seven (7) Business Days None None
Redemption Settlement T+1 (End of Day) T+2 (End of Day) T+2 (End of Day) T+2 (End of Day)
Trust Fees Class A: 0.50% per annum
Class B: 0.25% per annum		 Class A: 0.90% per annum
Class B: 0.70% per annum		 Class A: 1.40% per annum
Class B: 1.15% per annum		 Class A: 1.40% per annum
Class B: 1.15% per annum
Recommended Investment Horizon One (1) year At least one (1) to two (2) years  Three (3) to five (5) years  At least five (5) years
Price Appreciation Low Low to Medium Medium to High High
Potential / Capital Volatility Low Low to Medium Medium to High High

Dollar Fixed Income Funds

  USD Money Market Global Fund of Funds USD Long-Term Global Active Fixed Income Fund of Funds
Fund Classification Money Market Fund of Funds Fixed Income Fund of Funds
Maximum Modified Duration One (1) Year Ten (10) Years
Fund Strategy Actively Managed; Fund of Funds Actively Managed; Fund of Funds
Benchmark 1 Month US Treasury Bill Total Return Index (I30719US Index) 90% Bloomberg Barclays Global Aggregate Total Return Index Value Unhedged USD + 10% Philippine Dollar Deposit Rates Time Deposit Up to 1 Month
Investment Objective (1) Generate steady return by investing in diversified liquid short term fixed income instruments and Collective Investment Schemes (CIS)
(2) Generate excess return over the benchmark		 The Fund targets long-term total returns by investing in offshore fixed income collective investment vehicles and USD-denominated fixed income instruments. The Fund aims to achieve capital gains while maintaining reasonable levels of liquidity for investor’s requirements.
Risk Classification Moderately Conservative Moderate
Minimum Investment Amount Unit Class A: USD 100
Unit Class B: USD 100,000		 Unit Class A: USD 100
Unit Class B: USD 300,000
Holding Period None None
Redemption Settlement Schedule T+2 (End of Day) T+5 (End of Day)
Trust Fees Unit Class A: 0.75% per annum
Unit Class B: 0.40% per annum		 Unit Class A: 1.75% per annum
Unit Class B: 1.50% per annum
Recommended Investment Horizon One (1) Year At least five (5) years
Price Appreciation Potential / Capital Volatility Low High

Equity-linked Funds

  PHP Equity Index Fund PHP Nasdaq-100 Index Equity Feeder Fund
Fund Classification Equity Fund Equity Feeder Fund
Fund Strategy Passively-Managed / Index Tracker; Equity Fund Passively-Managed / Index Tracker; Equity Feeder Fund
Benchmark 100% PSEi Nasdaq-100 Notional Net Total Return Index × Bankers Association of the Philippines USD PHP Actual Done Deal
Investment Objective The objective of the fund is to achieve long-term capital appreciation via an indexing strategy based on the Philippine Stock Exchange Index (PSEi) constituents, while maintaining a reasonable level of liquidity for investor requirements. The Fund targets long-term total returns by investing in USD-denominated offshore equity collective investment vehicles. The Fund aims to achieve capital gains while maintaining reasonable levels of liquidity for investor’s requirements.
Risk Classification Aggressive Aggressive
Minimum Investment Amount Unit Class A: PHP 5,000
Unit Class B: PHP 15,000,000		 Unit Class A: PHP 5,000
Unit Class B: PHP 15,000,000
Holding Period None None
Redemption Settlement Schedule T+3 (End of Day) T+5 (End of Day)
Trust Fees Unit Class A: 1.50% per annum
Unit Class B: 1.25% per annum		 Unit Class A: 1.60% per annum
Unit Class B: 1.35% per annum
Recommended Investment Horizon At least five (5) years At least five (5) years
Price Appreciation Potential / Capital Volatility High High

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