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Top 3 Best UITF in the Philippines (2019)




UITF, or Unit Investment Trust Funds, typically offered by banks and trust corporations in the Philippines, prove to be a reliable investment for those looking to invest but may not have the expertise to manage their money or the time to monitor the market performance.

Without a doubt, a UITF is a good investment. But which UITF are currently the best funds in the Philippines? Which funds deserve our investment?

To help you decide, we compiled the performance of all UITF products available in the country and summarized them in our UITF 2019 Fund Rankings below. The returns shown returns of each fund from January 2019 until April 2019.

Without further ado, let’s see which ones are the best performing Philippine UITF funds below!

Summary Guide

Top 10 Best Performing UITF in the Philippines in 2019

Here are the top UITF performers from January to April 2019, generating the 10 highest returns among all UITF products available in the Philippines.

We agree, funds should not be directly compared to each other like apples and oranges, since each one follows a different investment mandate. That’s the reason why we also show below the Top 3 rankings, where we ranked the 3 best UITF in each investment class to limit comparison to their category peers.

But if you’re looking to place money in a UITF that could give you the biggest returns, it’s good to know which ones can deliver returns. Here are the overall 10 highest yielding UITF in the Philippines from January to April 2019.

RankBank / Trust Corp.UITF Fund NameJan-April 2019 Gain (Loss) %
1Manulife Asset Management and Trust Corp.Manulife Dragon Growth Equity Feeder Fund (PHP Unhedged Class A)15.93%
2Manulife Asset Management and Trust Corp.Manulife Asia Best Select Equity Fund (PHP Unhedged Class A)15.55%
3BPI Asset Management and Trust Corp.BPI Catholic Values Global Equity Feeder Fund12.27%
4Philippine National BankPNB High Dividend Fund9.02%
5Union Bank of the PhilippinesUnionBank Long Term Fixed Income Portfolio8.35%
6BPI Asset Management and Trust Corp.ABF Philippines Bond Index Fund7.30%
7Union Bank of the PhilippinesUnionBank Tax Exempt Portfolio6.85%
8BDO UnibankBDO Sustainable Dividend Fund6.77%
9Union Bank of the PhilippinesUnionBank High Net Worth Medium-Term Peso Fixed Income Fund6.38%
10Union Bank of the PhilippinesUnionBank Philippine Peso Fixed Income Portfolio5.96%

Top 3 Best UITF by Investment Category (2019)

Since each fund is geared towards a certain customer segment and follows a different investment philosophy, it would be nice to compare only the funds within the same asset category.

Thus we also provide below the Top 3 UITF investments that generated the highest profits in each investment class. These are the funds that outperformed other funds belonging to the same class or category. You will notice that some of the “Top Funds” in the list show a negative return. They were still included in the list because they incurred the least amount of loss among their peers, hence, they’re still technically “top performers”.

Check out below which banks or financial institutions offered the best UITF per asset class, from January 2019 until April 15, 2019.

Top 3 PSEi Index Tracker UITF in 2019

RankBank / Trust Corp.Index Tracker UITFJan-Apr 2019 Gain (Loss) %
1BPI Asset Management and Trust CorporationBPI Philippine Consumer Equity Index Fund5.27%
2Manulife Asset Management and Trust Corporation (MAMTC)Manulife Equity Wealth Fund (Class I)4.96%
3BPI Asset Management and Trust CorporationBPI Philippine Infrastructure Equity Index Fund4.95%

Top 3 Managed Equity UITF in 2019

RankBank / Trust Corp.Managed Equity UITFJan-Apr 2019 Gain (Loss) %
1Manulife Asset Management and Trust Corporation (MAMTC)Manulife Dragon Growth Equity Feeder Fund (PHP Unhedged Class A)15.93%
2Manulife Asset Management and Trust Corporation (MAMTC)Manulife Asia Best Select Equity Fund (PHP Unhedged Class A)15.55%
3BPI Asset Management and Trust CorporationBPI Catholic Values Global Equity Feeder Fund12.27%

Top 3 Equity Dividend UITF in 2019

RankBank / Trust Corp.Dividends UITFJan-Apr 2019 Gain (Loss) %
1Philippine National BankPNB High Dividend Fund9.02%
2BDO Unibank, Inc. BDO Sustainable Dividend Fund6.77%
3Security Bank CorporationSB High Dividend Peso Equity Fund5.30%

Top 3 Balanced UITF in 2019

RankBank / Trust Corp.Balanced UITFJan-Apr 2019 Gain (Loss) %
1Security Bank CorporationSB Peso Asset Variety Fund5.55%
2Union Bank of the PhilippinesUnionBank Peso Balanced Portfolio5.47%
3BPI Asset Management and Trust CorporationOdyssey Diversified Capital Fund5.24%

Top 3 Long-Term Bond UITF in 2019

RankBank / Trust Corp.Long-Term Bond UITFJan-Apr 2019 Gain (Loss) %
1Union Bank of the PhilippinesUnionBank Long Term Fixed Income Portfolio8.35%
2BPI Asset Management and Trust CorporationABF Philippines Bond Index Fund7.30%
3Union Bank of the PhilippinesUnionBank Tax Exempt Portfolio6.85%

Top 3 Medium-Term Bond UITF in 2019

RankBank / Trust Corp.Medium-Term Bond UITFJan-Apr 2019 Gain (Loss) %
1Union Bank of the PhilippinesUnionBank High Net Worth Medium-Term Peso Fixed Income Fund6.38%
2Union Bank of the PhilippinesUnionBank Philippine Peso Fixed Income Portfolio5.96%
3Asia United BankPeso Investment Trust Fund4.88%

Top 3 Intermediate-Term Bond UITF in 2019

RankBank / Trust Corp.Intermediate-Term Bond UITFJan-Apr 2019 Gain (Loss) %
1Union Bank of the PhilippinesUnionBank High Net Worth Intermediate-Term Peso Fixed Income Fund4.47%
2Union Bank of the PhilippinesUnionBank Infinity Prime Fund3.35%
3Manulife Asset Management and Trust Corporation (MAMTC)Manulife Stable Income Fund (Class I)2.98%

Top 3 Money Market UITF in 2019

RankBank / Trust Corp.Money Market UITFJan-Apr 2019 Gain (Loss) %
1Asia United BankPeso Money Market Fund2.26%
2EastWest Banking CorporationEast West Peso Short Term Fund2.00%
3China Banking CorporationChina Bank Short-Term Fund1.78%

*PinoyMoneyTalk’s Guide on How to Invest in Franchises, UITF, Mutual Funds, and ETF:


Disappointed that you cannot find your UITF investment in the Top 3 list above? If it’s not in the list, then you can see its performance by scrolling down to our complete UITF Fund Rankings and Performance Report below, showing all fund performances from January 2019 until April 2019.

But if you’re just deciding whether to start investing in UITF and are wondering which type is the appropriate investment for you, why not take this free “Investor Profile Assessment” to help you understand your investment personality?

This quiz is a short questionnaire, with seven (7) questions intended to help you assess your investment behavior, and in the end, giving you a suggestion if you’re fit to invest in UITF and, if yes, which UITF fund type is perfect for you.

Quiz: Are you ready to invest in UITF?

UITF Investor Profile Quiz

Choose one statement that best describes your agreement to each of the 7 questions below. There are no right or wrong answers, so answer honestly and objectively!

The result of this assessment will show you if you are ready to invest in Unit Investment Trust Funds (UITF) and, if you are, which UITF type may be appropriate for you. Ready, set, go!

UITF Investor Profile Assessment

What type of investor are you?

Based on the result of your Investor Profile Assessment, what type of investor are you?

Choose which type of investor you are based on the assessment above.

View Results

If you’re looking to begin your UITF investment journey today, start with the information below showing relevant information about banks and trust corporations in the Philippines. This gives you an overview of Unit Investment Trust Funds (UITF) being offered in the Philippines and how to open an account with them.

How to Invest in BDO UITF

To open a UITF investment account with Banco de Oro (BDO), you may: (1) visit any BDO branch; or (2) use their online banking facility or mobile app, if you’re an existing BDO customer.

If you’re opening an account in a BDO branch, inquire with their staff assigned to UITF about BDO’s investment products. They’re usually accommodating and will answer questions you may have regarding UITF.

Just bring a photocopy of your 2 valid IDs and fill out these account opening forms to be provided to you by BDO:

  • One (1) set of Customer Account Record
  • One (1) set of Signature Card
  • Investor Profile Questionnaire (IPQ)
  • Client Investment Suitability (CIS)
  • Risk Disclosure Statement (RDS)
  • Declaration of Investor/s
  • Omnibus Participating Trust Agreement

Alternatively, if you’re already an existing BDO customer, you may open a UITF account via BDO online banking or mobile app.

Just go to the “Trust and Investments” section and answer the UITF Investor Questinnaire. If you’re a first-time UITF investor, you will receive a call from a BDO Trust and Investments Group (TIG) representative within two (2) banking days to evaluate your risk profile and to explain to you the risks involved in UITF investing.

Now if you wish to contribute regularly to your UITF account, you may participate in BDO’s Easy Investment Plan (EIP) in which the minimum required amount is P1,000 every month. You may set this up also in the “Trust and Investments” section of the app or online banking website.

What are the different types of BDO UITF and how much is the minimum amount needed to open an account? Here’s a list of BDO’s UITF products available to you.

How to invest in UITF products of BDO
Application steps to open a BDO UITF (Source: Banco de Oro)

BDO Focused Equity Fund

  • Fund Type: Equity Fund
  • Fund Description: BDO’s Focused Equity Fund aims to pursue long-term capital growth by investing in a concentrated portfolio of exchange-listed stocks traded in the Philippine Stock Exchange (PSE).
  • Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
  • Minimum Holding Period: 30 days
  • Early Redemption Fee: 1.00% of original participation amount
  • Management Fee: 1.50% per annum
  • Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

BDO Sustainable Dividend Fund

  • Fund Type: Equity Fund
  • Fund Description: BDO’s Sustainable Dividend Fund aims to achieve long-term capital appreciation by investing in a diversified portfolio of attractively priced exchange-listed (PSE) stocks with sustainable dividend yields.
  • Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
  • Minimum Holding Period: 30 days
  • Early Redemption Fee: 1.00% of original participation amount
  • Management Fee: 1.25% per annum
  • Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

BDO ESG Equity Fund

  • Fund Type: Equity Fund
  • Fund Description: BDO’s ESG Equity Fund aims for long-term capital appreciation by substantially investing in listed companies which the Trustee believes to exhibit good environmental, social and governance (ESG) practices.
  • Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
  • Minimum Holding Period: 30 days
  • Early Redemption Fee: 1.00% of original participation amount
  • Management Fee: 1.00% per annum
  • Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

BDO Equity Index Fund

  • Fund Type: Equity Fund
  • Fund Description: BDO’s Equity Index Fund aims to achieve a total return which reflects the return of the Philippine Stock Exchange index (PSEi) by investing in a diversified portfolio of stocks that so far as practicable consists of the component companies of the PSEi.
  • Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
  • Minimum Holding Period: 30 days
  • Early Redemption Fee: 0.50% of original participation amount
  • Management Fee: 1.00% per annum
  • Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

EPCIB Equity Fund

  • Fund Type: Equity Fund
  • Fund Description: BDO’s EPCIB Equity Fund primarily aims for capital growth over the medium to long-term by investing in a selection of exchange-listed equities.
  • Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
  • Minimum Holding Period: 30 days
  • Early Redemption Fee: 1.00% of original participation amount
  • Management Fee: 1.00% per annum
  • Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

BDO Peso Balanced Fund

  • Fund Type: Balanced Fund
  • Fund Description: BDO’s Peso Balanced Fund aims to achieve capital appreciation over the medium-term by investing in a portfolio of equity securities and short to long-term fixed income securities. The allocation for equity securities shall be between 40% to 60% of the portfolio or any other allocation range that may be prescribed by the Trust Officers Association of the Philippines (TOAP) in consultation with regulatory authorities.
  • Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
  • Minimum Holding Period: 30 days
  • Early Redemption Fee: 0.50% of original participation amount
  • Management Fee: 1.00% per annum
  • Settlement Date: T+4 or four (4) banking days after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

BDO Peso Bond Fund

  • Fund Type: Bond Fund
  • Fund Description: BDO’s Peso Bond Fund aims to provide a high level of income with preservation of capital and maintenance of liquidity by investing in a combination of short to long-term fixed-income securities.
  • Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
  • Minimum Holding Period: 30 days
  • Early Redemption Fee: 0.50% of original participation amount
  • Management Fee: 1.00% per annum
  • Settlement Date: T+1 or one (1) banking day after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

BDO GS Fund

  • Fund Type: Medium-Term Bond Fund
  • Fund Description: BDO’s GS Fund aims for capital preservation and income generation from investments in a diversified portfolio consisting of selected government securities that can provide higher yields.
  • Required Minimum Investment: P100,000.00 (One Hundred Thousand Pesos)
  • Minimum Holding Period: 30 days
  • Early Redemption Fee: 0.50% of original participation amount
  • Management Fee: 1.00% per annum
  • Settlement Date: T+1 or one (1) banking day after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

BDO Short Term Fund

  • Fund Type: Money Market Fund
  • Fund Description: BDO’s Short Term Fund aims for capital preservation and income generation by investing in a diversified portfolio of fixed income instruments with average duration of less than one (1) year.
  • Required Minimum Investment: P10,000.00 (Ten Thousand Pesos)
  • Minimum Holding Period: None (No holding period)
  • Early Redemption Fee: None
  • Management Fee: 0.25% per annum
  • Settlement Date: T+1 or one (1) banking day after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

BDO Peso Money Market Fund

  • Fund Type: Money Market Fund
  • Fund Description: BDO’s Peso Money Market Fund aims to preserve capital and generate income from low-risk fixed-income securities with a portfolio weighted average life of not more than one (1) year.
  • Required Minimum Investment: P100,000.00 (One Hundred Thousand Pesos)
  • Minimum Holding Period: None (No holding period)
  • Early Redemption Fee: None
  • Management Fee: 0.25% per annum
  • Settlement Date: T+0 or after 4:00 p.m. on the same banking day after withdrawal and notice of redemption is received
  • How to Invest: Visit a BDO branch or open an account via BDO online banking or mobile app

How to Invest in BPI UITF

You may open a BPI UITF account in three ways: by visiting a BPI branch, via their online banking website, and via the BPI mobile banking app.

To open a UITF investment account in a BPI branch, simply speak to a certified UITF marketing personnel in the BPI branch. The account opening requirements you need to have are:

  • One (1) valid ID
  • At least P10,000 initial investment
  • A regular BPI savings or checking account to be used as your settlement account (note that you will be asked to open one if you’re not an existing BPI customer, so prepare a separate amount that you will deposit to that account)

You will then be asked to fill out a “Client Suitability Assessment” which will determine which UITF product is suited for you.

If you’re an existing client already using BPI online banking or mobile app, you may open a UITF account by going to the “Investments” section and choosing which UITF product you want to invest in. First-time investors will be required to fill out the online “Client Suitability Assessment” before you will be allowed to make an investment.

What are the different BPI UITF available to you? Check out our list below, complete with details about minimum investment, holding period, and settlement dates.

How to invest in UITF products of BPI
How to open a BPI UITF account (Source: Bank of the Philippine Islands)

BPI Philippine Equity Index Fund

Fund TypeEquity Fund (Index Fund)
Fund DescriptionThe Fund aims to achieve returns that track the performance of the Philippine Stock Exchange Index (PSEi) by investing in a diversified portfolio of stocks comprising the PSEi in the same weights as the index. The Fund aims to provide a return that tracks the performance of the PSEi.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee1.00%
Settlement DateT+3 or 3 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Equity Value Fund

Fund TypeEquity Fund
Fund DescriptionThe Fund intends to achieve long-term capital growth by investing in equity securities in the Philippines, with the aim to provide returns in excess of the return of the Philippine Stock Exchange index (PSEi).
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee1.50%
Settlement DateT+3 or 3 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Philippine High Dividend Equity Fund

Fund TypeEquity Fund
Fund DescriptionThe Fund aims to achieve total return through a combination of current income and long-term capital appreciation by investing in PSE-listed companies that have high dividend yields or have established a history of dividend payouts. The Fund aims to provide returns in excess of the Philippine Stock Exchange Index (PSEi).
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee1.50%
Settlement DateT+3 or 3 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Philippine Consumer Equity Index Fund

Fund TypeEquity Fund (Index Fund)
Fund DescriptionThe Fund aims to achieve returns that track the performance of the BPI Philippine Consumer Equity Index by investing in a diversified portfolio of stocks in the same weights as the index.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee1.00%
Settlement DateT+3 or 3 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Philippine Infrastructure Equity Index Fund

Fund TypeEquity Fund (Index Fund)
Fund DescriptionThe Fund aims to achieve returns that track the performance of the BPI Philippine Infrastructure Equity Index by investing in a diversified portfolio of stocks in the same weights as the index.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee1.00%
Settlement DateT+3 or 3 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Catholic Values Global Equity Feeder Fund

Fund TypeEquity Fund (Feeder Fund)
Fund DescriptionThe Fund operates as a Feeder Fund, intending to achieve long-term capital growth by investing in a Target Fund that selects securities based on Catholic ethical, environmental, social, and governance metrics. The Fund uses the MSCI All Country World Index (PhP) as its benchmark.
Required Minimum InvestmentP100,000 (One Hundred Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee0.50%
Settlement DateT+7 or 7 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Balanced Fund

Fund TypeBalanced Fund
Fund DescriptionThe Fund aims to achieve long-term capital growth by investing in a diversified portfolio of equity and fixed income securities. The Fund aims to provide excess return over the composite benchmark, 50% Philippine Stock Exchange index (PSEi) and 50% return of the 91-day Treasury Bill, net of tax.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee1.50%
Settlement DateT+3 or 3 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Bayanihan Balanced Fund

Fund TypeBalanced Fund
Fund DescriptionThe Fund aims to achieve long-term capital growth derived from a diversified portfolio of equity and fixed income securities, with 5% to 20% equities exposure. It aims to provide absolute returns in excess of the return of the composite benchmark, 90% BPI Philippine 1-3 Year Index and 10% Philippine Stock Exchange Index net of tax.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee0.30%
Settlement DateT+3 or 3 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

ABF Philippines Bond Index Fund

Fund TypeBond Fund (Index Fund)
Fund DescriptionThe Fund aims to achieve returns that closely track the total return of the iBoxx ABF Philippines index, before fees and expenses, by investing in a diversified portfolio of peso-denominated sovereign, quasi-sovereign, and supranational bonds.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee0.08%
Management FeeDepending on fund’s NAV: Up to P3 billion (0.274%); P3 to P6 billion (0.252%); P6 to P10 billion (0.230%); At least P10 billion (0.186%)
Settlement DateT+1 or 1 day after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Premium Bond Fund

Fund TypeBond Fund (Intermediate Term)
Fund DescriptionThe Fund aims to achieve capital appreciation and income derived from a diversified portfolio of primarily medium-term fixed income instruments. The Fund aims to provide absolute returns in excess of the return of the BPI Philippine Government Bond 1-3 Year Index.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee1.50%
Settlement DateT+0 or within the same day after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Fixed Income Portfolio Fund-of-Funds

Fund TypeBond Fund (Fund-of-Funds)
Fund DescriptionThe Fund operates as a Fund-of-Funds, with the aim to achieve principal protection by investing in a diversified portfolio of primarily domestic money market and bond collective investment schemes. The Fund aims to provide excess return over the BPI Philippine Government Bond Index.
Required Minimum InvestmentP1,000,000 (One Million Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust FeeWaived (Trust fees are collected at the target fund level)
Settlement DateT+3 or 3 days after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Short-Term Fund

Fund TypeMoney Market Fund
Fund DescriptionThe Fund aims to generate liquidity and stable income by investing in a diversified portfolio of primarily short-term fixed income instruments. The Fund aims to provide excess return over the return of the 91-day Philippine Treasury Bill, net of tax.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee0.50%
Settlement DateT+0 or within the same day after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

BPI Money Market Fund

Fund TypeMoney Market Fund
Fund DescriptionThe Fund aims to achieve liquidity and stable income derived from a diversified portfolio of primarily short-term fixed income instruments. The Fund aims to provide excess return over the return of the 91-day Philippine Treasury Bill, net of tax.
Required Minimum InvestmentP10,000 (Ten Thousand Pesos)
Minimum Holding PeriodNone
Early Redemption FeeNone
Trust Fee0.25%
Settlement DateT+0 or within the same day after withdrawal notice is received
How to InvestVisit a BPI branch or open an account via BPI online banking website or mobile app (See above section “How to Invest in BPI UITF” for list of account opening requirements)

All UITF Fund Rankings (Jan-April 2019)

PSEi Equity Index Tracker UITF Performance 2019

* PSEi Index Tracker Funds are funds intended to mirror the performance of the Philippine Stock Exchange index (PSEi). They are passively managed with the goal of replicating, not beat, the returns of the index being tracked.

RankBANK / INSTITUTIONUITFJan-Apr 2019 Gain (Loss) %
1BPI Asset Management and Trust CorporationBPI Philippine Consumer Equity Index Fund5.27%
2Manulife Asset Management and Trust Corporation (MAMTC)Manulife Equity Wealth Fund (Class I)4.96%
3BPI Asset Management and Trust CorporationBPI Philippine Infrastructure Equity Index Fund4.95%
4EastWest Banking CorporationEastWest PSEI Tracker Fund4.85%
5BPI Asset Management and Trust CorporationBPI Philippine Equity Index Fund4.65%
6ATRAM Trust CorporationATRAM Philippine Equity Smart Index Fund4.61%
7Security Bank CorporationSB PHILIPPINE EQUITY INDEX FUND4.56%
8Metropolitan Bank & Trust Co.Metro Philippine Equity Index Tracker Fund4.55%
9Union BankUnionBank Philippine Equity Index Tracker Fund Portfolio4.47%
10BDO Unibank, Inc. BDO EQUITY INDEX FUND4.45%
11United Coconut Planters BankUCPB Philippine Index Equity Fund4.39%
12Philippine National BankPNB PHIL-INDEX TRACKER FUND(formerly PNB ENHANCED PHIL-INDEX REFERENCE FUND)4.36%
13BDO Unibank, Inc. BDO PERA EQUITY INDEX FUND3.61%
14LandBank of the PhilippinesLANDBANK Equity Index Fund2.78%
15CTBC Bank (Philippines) Corp.CTBC Bank - Sun Life Philippine Stock Index Feeder Fund----

Actively Managed Equity UITF Performance 2019

* Actively Managed Funds are UITF that are primarily invested in the Philippine stock market with the goal of achieving alpha returns that beat the PSEi.

RankBANK / INSTITUTIONUITFJan-Apr 2019 Gain (Loss) %
1Manulife Asset Management and Trust Corporation (MAMTC)Manulife Dragon Growth Equity Feeder Fund (PHP Unhedged Class A)15.93%
2Manulife Asset Management and Trust Corporation (MAMTC)Manulife Asia Best Select Equity Fund (PHP Unhedged Class A)15.55%
3BPI Asset Management and Trust CorporationBPI Catholic Values Global Equity Feeder Fund12.27%
4Manulife Asset Management and Trust Corporation (MAMTC)Manulife Asia Pacific REIT Fund of Funds (PHP Unhedged Class A)9.98%
5BDO Unibank, Inc. BDO INSTITUTIONAL EQUITY FUND7.26%
6BDO Unibank, Inc. BDO FOCUSED EQUITY FUND7.05%
7AB CapitalAB CAPITAL EQUITY FUND6.69%
8BDO Unibank, Inc. BDO EQUITY FUND5.76%
9Rizal Commercial Banking CorporationRIZAL EQUITY FUND5.39%
10Union BankUnionBank Large Capitalization Philippine Equity Portfolio5.27%
11Security Bank CorporationSB PESO EQUITY FUND5.23%
12United Coconut Planters BankUCPB Equity Fund (Formerly United Equity Fund)4.99%
13BDO Unibank, Inc. BDO ESG EQUITY FUND4.89%
14Metropolitan Bank & Trust Co.Metro Aspire Equity Feeder Fund4.46%
15China Banking CorporationCHINA BANK EQUITY FUND4.46%
16Manulife Asset Management and Trust Corporation (MAMTC)Manulife Equity Wealth Fund (Class A)4.37%
17EastWest Banking CorporationEastWest PhilEquity Feeder Fund4.36%
18Asia United BankEquity Investment Trust Fund4.17%
19Philippine Bank of CommunicationsVALUE EQUITY FUND4.15%
20Metropolitan Bank & Trust Co.Metro Equity Fund3.76%
21BPI Asset Management and Trust CorporationOdyssey Philippine Equity Fund3.55%
22BPI Asset Management and Trust CorporationBPI Equity Value Fund3.41%
23Philippine National BankPNB EQUITY FUND (formerly AUP EQUITIES FUND)3.37%
24BPI Asset Management and Trust CorporationOdyssey High Conviction Equity Fund3.09%
25ATRAM Trust CorporationATRAM Global Financials Feeder Fund----
26EastWest Banking CorporationEastWest PhilEquity Institutional Feeder Fund----
27ATRAM Trust CorporationATRAM Asia Equity Opportunity Feeder Fund----
28ATRAM Trust CorporationATRAM Global Technology Feeder Fund----

Equity Dividend UITF Performance 2019

* Dividend Funds are UITF whose portfolio includes PSE stocks with high dividend yields.

RankBANK / INSTITUTIONUITFJan-Apr 2019 Gain (Loss) %
1Philippine National BankPNB HIGH DIVIDEND FUND9.02%
2BDO Unibank, Inc. BDO SUSTAINABLE DIVIDEND FUND6.77%
3Security Bank CorporationSB HIGH DIVIDEND PESO EQUITY FUND5.30%
4United Coconut Planters BankUCPB High Dividend Fund4.85%
5Union BankUnionBank Dividend Play Equity Portfolio4.48%
6China Banking CorporationCHINA BANK HIGH DIVIDEND EQUITY FUND4.30%
7Metropolitan Bank & Trust Co.Metro High Dividend Yield Fund3.95%
8BPI Asset Management and Trust CorporationBPI Philippine High Dividend Equity Fund3.89%
9Bank of CommerceDIVERSITY DIVIDEND FOCUSED FUND----
10ATRAM Trust CorporationATRAM Global Dividend Feeder Fund----

Balanced UITF Performance 2019

* Balanced Funds are funds invested in a mixed portfolio of fixed-income securities (bonds) and stocks, wherein investment in stocks may comprise up to a maximum of 40% to 60% of the fund’s portfolio.

RankBankUITFJan-Apr 2019 Gain (Loss) %
1Security Bank CorporationSB PESO ASSET VARIETY FUND5.55%
2Union BankUnionBank Peso Balanced Portfolio5.47%
3BPI Asset Management and Trust CorporationOdyssey Diversified Capital Fund5.24%
4BDO Unibank, Inc.BDO PESO BALANCED FUND5.14%
5BPI Asset Management and Trust CorporationOdyssey Diversified Balanced Fund5.12%
6China Banking CorporationCHINA BANK BALANCED FUND4.61%
7United Coconut Planters BankUCPB Balanced Fund (Formerly United Balanced Fund)3.84%
8Metropolitan Bank & Trust Co.Metro Unit Paying Fund3.31%
9Rizal Commercial Banking CorporationRIZAL BALANCED FUND3.25%
10Metropolitan Bank & Trust Co.Metro Balanced Fund3.22%
11Metropolitan Bank & Trust Co.Metro Aspire Balanced Feeder Fund3.13%
12LandBank of the PhilippinesLANDBANK Growth Fund2.69%
13BPI Asset Management and Trust CorporationBPI Bayanihan Balanced Fund2.47%
14BPI Asset Management and Trust CorporationBPI Balanced Fund2.26%
15AB CapitalAB CAPITAL BALANCED FUND2.15%
16Philippine National BankPNB BALANCED FUND (Formerly PNB PRESTIGE BALANCED FUND)1.25%
17Philippine Bank of CommunicationsBEST BALANCED FUND0.92%
18Union BankUnionBank Capital Accumulation Global Fund Of Funds Peso Class Portfolio----
19Sterling Bank of AsiaSterling Balanced Fund----
20Robinsons BankRBank Balanced Fund----
21Robinsons BankRBank Tax-Exempt Retirement Fund (A Balanced UITF)----
22CTBC Bank (Philippines) Corp.CTBC Bank - ATRAM Philippine Balanced Feeder Fund----
23Manulife Asset Management and Trust Corporation (MAMTC)Manulife Global Preferred Income Feeder Fund (PHP Unhedged Class A)----

Long-Term Bonds UITF Performance 2019

* Long-Term Bond Funds are UITF primarily invested in fixed-income securities with portfolio duration of at least 5 years.

RankBANK / INSTITUTIONUITFJan-Apr 2019 Gain (Loss) %
1Union BankUnionBank Long Term Fixed Income Portfolio8.35%
2BPI Asset Management and Trust CorporationABF Philippines Bond Index Fund7.30%
3Union BankUnionBank Tax Exempt Portfolio6.85%
4BPI Asset Management and Trust CorporationBPI Fixed Income Portfolio Fund-Of-Funds6.74%
5China Banking CorporationCHINA BANK FIXED INCOME FUND (Formerly CBC GS FUND)6.71%
6Security Bank CorporationSB PESO BOND FUND6.71%
7BPI Asset Management and Trust CorporationOdyssey Peso Bond Fund5.77%
8EastWest Banking CorporationEastWest Peso Long Term Bond Fund5.65%
9Manulife Asset Management and Trust Corporation (MAMTC)Manulife Income Builder Fund (Class I)5.27%
10Manulife Asset Management and Trust Corporation (MAMTC)Manulife Income Builder Fund (Class A)4.83%
11ATRAM Trust Corporation
ATRAM Total Return Peso Bond Fund
4.31%
12Rizal Commercial Banking CorporationRIZAL PESO BOND FUND3.99%
13Metropolitan Bank & Trust Co.Metro Corporate Bond Fund3.56%
14LandBank of the PhilippinesLANDBANK Bond Fund3.47%
15United Coconut Planters BankUCPB Peso Bond Fund (Formerly United Conservative Fund)3.40%
16BPI Asset Management and Trust CorporationOdyssey Tax-Exempt Peso Fixed Income Fund----
17Bank of CommerceDIVERSITY PESO BOND FUND----

Medium-Term Bonds UITF Performance 2019

* Medium-Term Bond Funds are invested primarily in fixed-income securities with portfolio duration of up to 5 years.

RankBANK / INSTITUTIONUITFJan-Apr 2019 Gain (Loss) %
1Union BankUnionBank High Net Worth Medium-Term Peso Fixed Income Fund6.38%
2Union BankUnionBank Philippine Peso Fixed Income Portfolio5.96%
3Asia United BankPeso Investment Trust Fund4.88%
4BDO Unibank, Inc. BDO MERIT FUND MEDIUM TERM PORTFOLIO4.54%
5Maybank Philippines Inc.Maybank Tiger Peso Bond Feeder Fund4.03%
6BDO Unibank, Inc. BDO PERA BOND INDEX FUND3.45%
7BDO Unibank, Inc. BDO PESO BOND FUND3.37%
8BPI Asset Management and Trust CorporationOdyssey Peso Medium Term Bond Fund3.14%
9BDO Unibank, Inc. BDO GS FUND3.11%
10Metropolitan Bank & Trust Co.Metro Max-5 Bond Fund3.10%
11Metropolitan Bank & Trust Co.Metro Aspire Bond Feeder Fund2.99%
12Manulife Asset Management and Trust Corporation (MAMTC)Manulife Asia Dynamic Bond Feeder Fund (PHP Unhedged Class A)1.80%
13Philippine Business BankDiamond Fund----

Intermediate-Term Bonds UITF Performance 2019

* Intermediate-Term Bond Funds are invested primarily in fixed-income securities with portfolio duration of up to 3 years.

RankBANK / INSTITUTIONUITFJan-Apr 2019 Gain (Loss) %
1Union BankUnionBank High Net Worth Intermediate-Term Peso Fixed Income Fund4.47%
2Union BankUnionBank Infinity Prime Fund3.35%
3Manulife Asset Management and Trust Corporation (MAMTC)Manulife Stable Income Fund (Class I)2.98%
4Union BankUnionBank Medium Term Fixed Income Portfolio2.94%
5Metropolitan Bank & Trust Co.Metro Max-3 Bond Fund2.91%
6EastWest Banking CorporationEastWest Peso Intermediate Term Bond Fund2.81%
7China Banking CorporationCHINA BANK INTERMEDIATE FIXED-INCOME FUND2.72%
8Manulife Asset Management and Trust Corporation (MAMTC)Manulife Stable Income Fund (Class A)2.61%
9BDO Unibank, Inc.BDO MERIT FUND INTERMEDIATE TERM PORTFOLIO2.55%
10BPI Asset Management and Trust CorporationBPI Premium Bond Fund2.44%
11Philippine National BankPNB PESO INTERMEDIATE TERM BOND FUND (Formerly AUP GS FUND)1.97%

Money Market UITF Performance 2019

* Money Market Funds are funds primarily invested in short-term fixed-income deposits, and securities with portfolio duration of one year or less.

RankBANK / INSTITUTIONUITFJan-Apr 2019 Gain (Loss) %
1Asia United BankPeso Money Market Fund2.26%
2EastWest Banking CorporationEast West Peso Short Term Fund2.00%
3China Banking CorporationCHINA BANK SHORT-TERM FUND1.78%
4Union BankUnionBank Peso Short Term Fixed Income Portfolio1.56%
5Rizal Commercial Banking CorporationRIZAL PESO MONEY MARKET1.51%
6China Banking CorporationCHINA BANK CASH FUND (Formerly CBC INSTITUTIONAL MMF)1.49%
7BPI Asset Management and Trust CorporationBPI Money Market Fund1.49%
8China Banking CorporationCHINA BANK MONEY MARKET FUND1.49%
9BDO Unibank, Inc.BDO PERA SHORT TERM FUND1.44%
10Philippine National BankPNB INSTITUTIONAL MONEY MARKET FUND1.43%
11BDO Unibank, Inc.BDO SHORT TERM FUND1.42%
12RCBC SavingsRCBC Savings Bank Peso Money Market UITF1.40%
13Metropolitan Bank & Trust Co.Metro Short Term Fund1.40%
14Philippine National BankPNB FIXED INCOME FUND1.35%
15Development Bank of the PhilippinesUNLAD KAWANI MONEY MARKET FUND1.34%
16BPI Asset Management and Trust CorporationBPI Short Term Fund1.34%
17Philippine Savings BankPSBANK MONEY MARKET FUND1.31%
18Development Bank of the PhilippinesCLASS I - UNLAD PANIMULA MM FUND1.29%
19United Coconut Planters BankUCPB Cash Management Fund (Formerly United Cash Management Fund)1.29%
20EastWest Banking CorporationEastWest Peso Money Market Fund1.28%
21Security Bank CorporationSB PESO MONEY MARKET FUND1.28%
22Development Bank of the PhilippinesCLASS II - UNLAD PANIMULA MM FUND1.26%
23ATRAM Trust CorporationATRAM Peso Money Market Fund1.25%
24AB CapitalAB CAPITAL SHORT-TERM FUND1.25%
25Development Bank of the PhilippinesCLASS III - UNLAD PANIMULA MM FUND1.24%
26Metropolitan Bank & Trust Co.Metro Money Market Fund1.24%
27Philippine National BankPNB DREAM BUILDER MONEY MARKET FUND1.24%
28Rizal Commercial Banking CorporationRIZAL PESO CASH MANAGEMENT FUND1.20%
29BDO Unibank, Inc.BDO INSTITUTIONAL CASH RESERVE FUND1.18%
30LandBank of the PhilippinesLANDBANK Money Market Fund1.14%
31Philippine National BankPNB GLOBAL FILIPINO PESO MONEY MARKET FUND1.13%
32Philippine National BankPNB PRIME PESO MONEY MARKET FUND1.09%
33LandBank of the PhilippinesLANDBANK Money Market Plus Fund1.08%
34BDO Unibank, Inc.BDO PESO MONEY MARKET FUND0.98%
35Maybank Philippines Inc.Maybank Tiger Peso Money Market Feeder Fund0.79%
36Philippine Bank of CommunicationsSIGNATURE TRUST FUND0.57%
37Bank of CommerceDIVERSITY MONEY MARKET FUND----
38Sterling Bank of AsiaSterling Money Market Fund----
39Robinsons BankRBank Peso Money Market Fund----
40CTBC Bank (Philippines) Corp.CTBC Money Market Fund----

Disclaimer: PinoyMoneyTalk’s article is merely for information purposes and is not meant to replace a finance professional’s advice or to solicit any investments. Conduct due diligence before making the decision to invest.

Please note that although the rate of return is typically a good measure of fund performance, other factors such as consistency of returns and degree of risk exposure must also be considered. A fund’s historical performance is not and cannot be a guarantee of future returns.

Fund rankings and returns were sourced from Bloomberg and the Trust Officers Association of the Philippines.

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One thought on “Top 3 Best UITF in the Philippines (2019)”

  1. Emery Ocampo says:

    This is very informative. Will save this for reference, thank you for sharing!

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