What are Unit Trusts? A beginner’s guide to how they work
22 Oct 2024 • 7 min read
Get rewarded when you invest with UOB today. Find out more.
Why invest in Unit Trusts
Unit trusts pool money from multiple investors into a fund that invests in a range of assets. Managed by professionals, they give you diversified exposure without having to buy individual securities.
Diversification
Invest across markets, sectors and asset classes in a single fund, without needing to build and manage your own portfolio.
Professionally Managed
Rely on the expertise of professional fund managers who actively monitor markets, adjust allocations and manage risk on your behalf.
Accessible
Start your investment journey with a relatively low minimum investment amount, and build your portfolio over time.
WHY INVEST WITH UOB
A curated range of funds, chosen with care — so you can invest with confidence
Investing already comes with enough uncertainty. Finding the right fund shouldn’t add to it.
At UOB, we don’t believe in offering more for the sake of it. Our funds team carefully selects and continuously monitors a focused range of unit trusts before they are made available on our platform.
When you invest with UOB, you can:
- Spend less time comparing hundreds of options
- Choose from a focused range of funds designed for different goals
- Invest with greater confidence, knowing each fund meets our standards
Explore our Funds Spotlight
Not sure where to start? Explore fund picks aligned with the views of the UOB Private Bank Chief Investment Office, designed to help you invest with more confidence.
Explore our focus funds
Despite geopolitical tensions and rising energy prices, the global economy remains resilient. Asia continues to offer attractive opportunities, including income potential.
- Diversify across asset classes, regions, and sectors to capture global opportunities, including China
- Balance growth with stable income through high-quality bonds
Fund Portfolios
United CIO Income Fund
Past 12 months dividend payout: 4.79%
Actively managed by the UOB Private Bank CIO to deliver stable monthly income.
For investors seeking a diversified, expertly managed portfolio to navigate market volatility.
- 80% Equities | 20% Fixed Income
- Risk Rating: Moderate
Unit Trusts
PIMCO GIS Balanced Income and Growth Fund
Past 12 months performance: 23.07%
Focuses on companies that offer attractive valuations, strong growth potential, sound financials, and upward momentum.
For investors seeking a global balanced strategy targeting both income and growth
- 60% Equities | 40% Fixed Income
- Risk Rating: Moderate
Unit Trusts
JPMorgan Singapore & Asia Equity Income Fund
Aims to deliver regular income through dividends and options premiums, while capturing Asia’s long-term growth.
For investors seeking regular income with exposure to Singapore equities and Asia’s growth potential
- 50% Singapore equities and 50% Asia ex-Japan equities
- Risk Rating: High
Explore our Funds Spotlight
Not sure where to start? Explore fund picks aligned with the views of the UOB Private Bank Chief Investment Office, designed to help you invest with more confidence.
Explore our focus funds
Despite geopolitical tensions and rising energy prices, the global economy remains resilient. Asia continues to offer attractive opportunities, including income potential.
- Diversify across asset classes, regions, and sectors to capture global opportunities, including China
- Balance growth with stable income through high-quality bonds
Fund Portfolios
United CIO Income Fund
Past 12 months dividend payout: 4.79%
Actively managed by the UOB Private Bank CIO to deliver stable monthly income.
For investors seeking a diversified, expertly managed portfolio to navigate market volatility.
- 80% Equities | 20% Fixed Income
- Risk Rating: Moderate
Unit Trusts
PIMCO GIS Balanced Income and Growth Fund
Past 12 months performance: 23.07%
Focuses on companies that offer attractive valuations, strong growth potential, sound financials, and upward momentum.
For investors seeking a global balanced strategy targeting both income and growth
- 60% Equities | 40% Fixed Income
- Risk Rating: Moderate
Unit Trusts
JPMorgan Singapore & Asia Equity Income Fund
Aims to deliver regular income through dividends and options premiums, while capturing Asia’s long-term growth.
For investors seeking regular income with exposure to Singapore equities and Asia’s growth potential
- 50% Singapore equities and 50% Asia ex-Japan equities
- Risk Rating: High
Invest on UOB TMRW
A simpler way to invest, built around you
Manage and grow your investments on the UOB TMRW app, with everything you need in one place.
Track your portfolio, monitor performance, and act on opportunities, so you can stay on top of your investments with confidence.
Two ways to invest in unit trusts on UOB TMRW
Invest at one go from S$500
+
Invest monthly from S$100
Regular Investment Scheme (RIS): Invest automatically every month
With a Regular Investment Scheme (RIS) you invest monthly to build your portfolio over time which can help smooth out market ups and downs.
Set up an RIS from S$100/month on UOB TMRW.
Build a steady investing habit
Set a fixed monthly investment and automate your journey. Avoid the stress of timing the market.
Reduce the impact of market volatility
By investing regularly, you average out your purchase costs (Dollar Cost Average), which can smooth out market volatility.
Make investing more manageable
Start with a smaller monthly amount instead of a large upfront sum, making it easier to stay invested.
Promotions
Invest regularly & get up to S$78 in rewards. Limited slots available
Set up a new Regular Investment Scheme (RIS) on UOB TMRW during 1 Jun – 31 Jul 2026 and get rewarded with bonus units of United CIO Income Fund. Actively managed by UOB Private Bank CIO based on market conditions, the fund aims to deliver regular monthly income.
1. 6-Month Completion Reward: Up to S$68 in bonus units
The first 1,000 customers who invest via RIS for 6 consecutive months will receive:
- S$200–S$499 / month: S$10 in bonus units
- S$500–S$799 / month: S$38 in bonus units
- S$800 and above / month: S$68 in bonus units
Higher monthly investment amounts qualify for higher reward tiers.
Note: Your total monthly RIS amount determines your reward tier. You may spread your monthly investment across multiple funds, and the combined amount will determine your reward tier.
2. Sign-up Gift: Additional S$10 in bonus units
If you’re aged 21–24, be among the first 500 to set up a new RIS of at least S$200/month and you’ll receive an extra S$10 bonus units after your first investment.
Subject to qualifying criteria. Terms and conditions apply.
Set up your RIS on UOB TMRW in a few taps
Automate your investments with RIS on UOB TMRW and let your portfolio build over time.
Tap ‘Wealth’ on UOB TMRW to start
Select ‘Fund Portfolios’ or ‘Unit Trusts’ and choose an eligible unit trust
Select 'Recurring order (monthly)' to set your monthly investment amount & time horizon
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Things you should know
Important notice and disclaimers
The United CIO Income Fund and United CIO Growth Fund may invest in Additional Tier 1 or Tier 2 instruments. Such instruments may carry higher risks, including the risk of loss of principal.
The information contained on this webpage is for general information only and shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment or insurance product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment or insurance products is qualified in its entirety by the terms and conditions of the investment or insurance product and if applicable, the prospectus or constituting document of the investment or insurance product. Nothing on this webpage constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether the investment or insurance product is suitable for you. United Overseas Bank Limited (“UOB”) does not hold itself out to be an insurer or insurance broker.
The information contained on this webpage, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date the information is posted on this webpage, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained on this webpage, UOB and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information contained on this webpage.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Each fund carries a product risk which is a measure of how risky the fund is (“Very Low” to “Very High”, with “Very High” representing the highest risk level).
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