April 2025 Unit Trust Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy

If you’re looking for a stable, low-risk investment option that steadily grows your money over time, the UAP Old Mutual Umbrella Trust Fund continues to be a standout performer. The April 2025 performance shows consistent returns, even as inflation ticks upward and interest rates remain elevated.

Let’s take a closer look at the fund’s latest results, how it works, and why it could be a good fit for your financial goals in Uganda.

Fund Overview

The Umbrella Trust Fund is managed by UAP Old Mutual Investment Group – Uganda and is designed for investors seeking income and capital preservation with minimal volatility.

Here’s a summary of its features:

• Fund Size: UGX 2.690 trillion

• Minimum Investment: UGX 100,000

• Minimum Top-Up: UGX 100,000

• Liquidity: T+2 (get your money in two business days)

• Risk Level: Low

• April 2025 Yield: 12.19%

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Launch Date: 20 August 2013

It’s a smart choice for anyone who wants better returns than a savings account but without the stress of stock market volatility.

Performance Summary

The fund continues to outperform its benchmark, offering a strong return profile even in uncertain economic conditions.

The benchmark is a weighted mix of the 91-day Treasury bill rate, the average call rate, and the inflation rate — giving a fair comparison for short- and medium-term money market and bond-based investments.

What the Fund Invests In

The Umbrella Trust Fund invests in a well-diversified mix of income-generating securities, primarily in Uganda but also regionally and offshore where needed.

Here’s the asset breakdown:

• Treasury Bonds: 33.98%

• Treasury Bills: 29.89%

• Corporate Paper: 26.20%

• Fixed Deposits: 5.14%

• Cash and Call: 4.70%

This allocation helps deliver a reliable yield while keeping risk low. Most of the capital is held in government-issued instruments, which are considered very secure.

Why This Fund Matters for Ugandan Investors

With annual inflation reaching 3.5% in April, the fund’s 12.19% return offers solid inflation protection and helps investors preserve their purchasing power. The fund is especially suitable if you are:

• Saving for tuition, land, a wedding, or retirement

• Building an emergency fund

• Looking for passive income without high risk

• Seeking a more rewarding alternative to fixed deposits or SACCOs

The fund’s T+2 liquidity also means your money stays accessible when needed.

How to Invest with Level Africa

You can invest in the Umbrella Trust Fund quickly and easily through Level Africa. Here’s how:

1. Create an account on Level Africa

2. Upload your National ID or Passport for KYC

3. Go to the “Unit Trusts” section under Products

4. Select the Umbrella Trust Fund

5. Deposit money into your wallet

6. Place your investment order

7. Track your earnings and performance on your dashboard

You can start with just UGX 100,000 and grow your investment on your terms.

Final Thoughts

The UAP Old Mutual Umbrella Trust Fund remains one of the most reliable fixed-income investment options in Uganda. With strong returns, minimal risk, and ease of access, it’s an ideal fund for new and seasoned investors alike.

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Frequently Asked Questions

What is a unit trust?

A unit trust is a type of collective investment where money from many investors is pooled together and managed by professionals. The fund invests in assets like treasury bills, bonds, and corporate paper. Each investor owns “units” of the total pool.

How do unit trusts work in Uganda?

When you invest in a unit trust, you buy units that represent your share in the fund. The fund manager invests the money on your behalf. Your returns depend on the fund’s performance, and you can withdraw your money when needed, usually within 2 business days.

What are the benefits of unit trusts?

• Easy to start (from UGX 100,000)

• Professionally managed

• Diversified investments reduce risk

• Earns better returns than most savings accounts

• Accessible and regulated

Are unit trusts safe?

Yes. Unit trusts in Uganda are regulated by the Capital Markets Authority. While no investment is completely risk-free, funds like the Umbrella Trust Fund are low-risk and mostly invest in government and high-grade corporate securities.

What’s the minimum investment required?

You can start with just UGX 100,000. The same amount applies for top-ups.

Can I lose money in a unit trust?

It’s possible, but unlikely in low-risk funds. The value of your units may go up or down slightly, but because these funds focus on secure, income-generating assets, they aim to preserve capital and provide stable returns.

How do I invest through Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Go to the Unit Trusts section

4. Select a fund

5. Deposit money

6. Place your order

7. Monitor your investment from your dashboard

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