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

The start of the year brought steady results for investors in the UAP Old Mutual Umbrella Trust Fund. As interest rates fluctuated and inflation ticked up slightly in January 2025, the fund continued to deliver attractive returns with low risk. For Ugandans looking for a stable, income-generating investment option, this fund remains a strong pick.

Let’s take a closer look at how the fund performed in January and what makes it a smart investment for your long-term goals.

Fund Overview

Managed by UAP Old Mutual Investment Group – Uganda, the Umbrella Trust Fund offers capital preservation with consistent returns. It’s designed for individuals who want to grow their money with minimal exposure to market volatility.

Key highlights:

• Fund Size: UGX 2.442 trillion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2 (withdraw within two business days)

• Risk Level: Low

• January 2025 Yield: 11.85 percent

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Launch Date: 20 August 2013

This fund is ideal for both new and experienced investors who want reliable income without the stress of daily market movements.

Performance Summary

The fund outperformed its benchmark once again, continuing its long history of consistent returns.

The benchmark is based on the 91-day Treasury bill rate, average call rate, and prevailing inflation rate. The fund’s yield comfortably outpaces inflation, making it a reliable tool for preserving and growing wealth.

What the Fund Invests In

The Umbrella Trust Fund focuses on interest-bearing securities that generate stable returns while keeping risk low. These include government-issued instruments and top-rated corporate debt.

Asset allocation for January 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 mix ensures strong returns without the volatility of equity markets, which is especially important as Uganda approaches its election season.

Why This Fund Matters for Ugandan Investors

With inflation rising slightly to 3.6 percent in January, the fund’s 11.85 percent return still offers a generous cushion. Investors who want their savings to grow without losing value to inflation will find this fund highly attractive.

This fund is well suited for:

• Building an emergency or school fees fund

• Saving toward retirement or land purchases

• Earning passive income from a low-risk source

• Avoiding the uncertainty of stocks or forex trading

How to Invest with Level Africa

You can start investing in the UAP Old Mutual Umbrella Trust Fund on Level Africa in just a few steps:

1. Create an account at Level Africa

2. Upload your National ID or Passport for KYC verification

3. Go to the Unit Trusts section

4. Choose the Umbrella Trust Fund

5. Deposit funds into your wallet

6. Place your investment order

7. Track your performance from your dashboard

With just UGX 100,000, you can begin your journey toward financial stability.

Final Thoughts

The UAP Old Mutual Umbrella Trust Fund is one of Uganda’s most trusted low-risk investment vehicles. Whether you are investing for the first time or adding stability to a larger portfolio, this fund delivers reliable returns and peace of mind.

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Frequently Asked Questions

What is a unit trust?

A unit trust is a collective investment where many people pool their money to invest in government securities, corporate bonds, and other income-generating assets. It is managed by a professional fund manager who ensures the money is invested wisely.

How do unit trusts work in Uganda?

You buy units in the fund. The value of your units grows as the fund earns returns from its investments. You can withdraw your investment within a short period (usually two business days), making it accessible and flexible.

What are the benefits of unit trusts?

• Low minimum investment

• Expert fund management

• Diversified and low-risk

• Beats most savings account interest rates

• Easy to enter and exit

Is the Umbrella Trust Fund safe?

Yes. It is managed by a licensed fund manager and regulated by the Capital Markets Authority. It invests in secure instruments like treasury bills and bonds, making it one of the safest low-risk investments in Uganda.

What’s the minimum investment amount?

You can start with UGX 100,000 and continue to top up in increments of the same amount.

Can I lose money in a unit trust?

Low-risk funds like this aim to preserve your capital. While all investments carry some risk, this fund is structured to protect your money while generating income.

How do I get started with Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Choose a fund

4. Deposit your money

5. Place your order

6. Monitor your investment online

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