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

February 2025 was another solid month for the UAP Old Mutual Umbrella Trust Fund, offering investors strong returns despite a slight rise in inflation and continued currency market pressures. If you’re looking for a steady, low-risk investment that protects your money and grows it over time, this fund remains a strong contender.

Let’s dive into how the fund performed this month and why it may be the right fit for your financial goals.

Fund Overview

Managed by UAP Old Mutual Investment Group – Uganda, the Umbrella Trust Fund is structured to provide consistent returns while preserving capital. It is especially suitable for long-term and income-focused investors in Uganda.

Key details:

Fund Size: UGX 2.556 trillion
Minimum Investment: UGX 100,000
Top-Up Amount: UGX 100,000
Liquidity: T+2 (you can access your money within two business days)
Risk Level: Low
February 2025 Yield: 11.81 percent
Management Fee: 2 percent
Initial Fee: 0 percent
Fund Inception: 20 August 2013

This fund is designed for investors who want security, flexibility, and dependable income.

Performance Summary

In February, the fund continued to outperform its benchmark, delivering another month of strong results.

Period	Return (%)	Benchmark (%)
February 2025	11.81	9.58
Quarter to Date	12.11	9.60
Year to Date	11.87	9.60
Since Inception	11.88	8.51

The benchmark is a weighted average of the 91-day T-bill rate, the average call rate, and the prevailing inflation rate. The Umbrella Trust Fund has consistently outpaced this benchmark, making it a dependable investment.

What the Fund Invests In

The fund allocates your money to secure, income-generating assets, helping you earn steady returns while limiting risk.

Asset allocation as of February 2025:

Treasury Bonds: 33.98 percent
Treasury Bills: 29.89 percent
Corporate Paper: 26.20 percent
Fixed Deposits: 5.14 percent
Cash and Call: 4.70 percent

This blend of government and corporate instruments gives investors a strong balance of yield and stability.

Why This Fund Matters for Ugandan Investors

Inflation rose slightly to 3.7 percent in February, mainly due to higher food prices. Yet the Umbrella Trust Fund delivered an 11.81 percent return, giving investors a solid inflation-adjusted gain.

This fund is especially useful for:

Saving for school fees, land, a wedding, or retirement
Building a low-risk emergency fund
Generating steady monthly income
Anyone looking for more than a bank savings rate, without the risk of stocks or crypto

How to Invest with Level Africa

Getting started with the Umbrella Trust Fund is simple through Level Africa.

Follow these steps:

Create an account on Level Africa
Upload your National ID or Passport to complete verification
Go to the Unit Trusts section
Select the Umbrella Trust Fund
Deposit funds into your wallet
Place your investment order
Track your investment performance in your dashboard

You can begin with as little as UGX 100,000.

Final Thoughts

In a month where inflation inched higher and the shilling faced pressure, the UAP Old Mutual Umbrella Trust Fund continued to deliver consistent results. It remains a reliable way to grow your money, beat inflation, and invest with peace of mind.

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Frequently Asked Questions

What is a unit trust?

A unit trust is an investment fund where people pool their money to invest in interest-earning assets. A professional fund manager makes the investment decisions on behalf of all contributors.

How do unit trusts work in Uganda?

When you invest, you buy units in the fund. These units grow in value as the fund earns returns from assets like treasury bills and bonds. You can withdraw your investment within two business days.

Why choose a unit trust over a savings account?

Unit trusts offer higher potential returns, are professionally managed, and are designed to grow your money while beating inflation. They are also regulated and diversified, which helps reduce risk.

Is the Umbrella Trust Fund safe?

Yes. It is classified as a low-risk fund and is regulated by the Capital Markets Authority. The fund primarily invests in secure government and corporate instruments.

What is the minimum investment?

You can start with UGX 100,000 and top up in similar amounts whenever you like.

Can I lose money in a unit trust?

Low-risk funds aim to preserve your capital. While returns may fluctuate, your money is not exposed to the same level of risk as stocks or forex trading.

How do I invest with Level Africa?

Open your account at Level Africa
Upload your ID
Choose the fund
Fund your wallet
Place your order
Track your growth online