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Your access to Private Bank CIO’s expertise
Invest in funds powered by Private Bank CIO – United CIO Income Fund and United CIO Growth Fund.
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UOB TMRW
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Powered by UOB Private Bank Chief Investment Office
The United CIO Funds give you access to UOB Private Bank’s Chief Investment Office research and insights.
Actively managed by an award‑winning CIO team recognised at the 2026 Euromoney Private Banking Awards as Singapore’s Best Private Bank for Discretionary Portfolio Management for the second consecutive year, the funds are adjusted as markets change, helping you stay on track with your goals.
Investment expertise once reserved for the few, is now here for you.
United CIO Income Fund and United CIO Growth Fund
Managed by experts
Benefit from the same investment expertise that guides UOB Private Bank clients.
The funds are backed by Private Bank CIO research, insights, and investment capabilities - bringing disciplined, professional portfolio management to your investments.
Diversified
Your investments are spread across different asset classes and securities.
With dynamic asset allocation and careful security selection, the funds aim to manage risk while capturing opportunities across changing market conditions.
Flexible to market conditions
Markets don’t stand still - and neither should your investments.
As conditions evolve, the funds are actively monitored, rebalanced, and adjusted in a timely manner, helping you stay aligned with your goals over time.
United CIO Income Fund
For investors who:
- Seek regular income with stability
- Prefer a steadier income stream while keeping risk in check
- Prefer a balanced approach across equities and bonds
The fund invests in a balanced allocation of 50% equities and 50% fixed income. It is actively adjusted as market conditions change to provide regular income while managing volatility.
United CIO Growth Fund
For investors who:
- Are focused on growing wealth over the long term
- Invest with long-term capital growth in mind
- Are comfortable with higher exposure to equities
The fund has a strategic allocation of 80% equities and 20% fixed income, positioning the portfolio for long‑term growth while fixed income provides an added layer of stability. The portfolio adapts to changing market conditions to support growth potential over time.
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 at least 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.
How to invest on UOB TMRW
Invest in the United CIO funds anytime, anywhere via the UOB TMRW app
Tap 'Wealth' on the UOB TMRW app
Select ‘Fund Portfolios’
Select ‘Income’ for United CIO Income Fund or ‘Growth’ for United CIO Growth Fund
Set a lump sum investment from S$500 and/or monthly recurring from S$100
Things you should know
Important notice and disclaimers
*SGD deposits are insured up to S$100k by SDIC.
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).
The information contained in this publication (including any articles referred to in this publication) shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing in this publication (including any articles referred to in this publication) constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein.
You may wish to seek advice from a financial adviser before purchasing units in any unit trust (the "Fund"). In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether the Fund in question is suitable for you. Past performance of the Fund or the manager of the Fund (the "Fund Manager"), and any economic and market trends or forecast, are not necessarily indicative of the future or likely performance of the Fund or the Fund Manager and any past performance, prediction, projection or forecast on the economy, stock market, bond market or the economic trends of the markets is not necessarily indicative of their future or likely performance or that of the Fund.
The Fund may invest in Additional Tier 1 or Tier 2 instruments. Such instruments may carry higher risks, including the risk of loss of principal.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
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