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

The UAP Old Mutual Umbrella Trust Fund continues to stand out as one of Uganda’s most consistent and reliable investment options for those seeking low-risk returns. The March 2025 performance shows strong results yet again, supported by a stable macroeconomic environment and attractive fixed-income yields.

Let’s look at how the fund performed this month, where your money is invested, and how to get started if you are new to unit trusts.

Fund Overview

Managed by UAP Old Mutual Investment Group – Uganda, the Umbrella Trust Fund is designed for income-focused investors who want capital protection with steady, inflation-beating returns.

Here are the key features:

• Fund Size: UGX 2.630 trillion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2 (two business days)

• Risk Level: Low

• March 2025 Yield: 12.20 percent

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Launch: 20 August 2013

If you want dependable returns without taking on too much risk, this fund is built for you.

Performance Summary

The fund’s performance continues to outpace its benchmark across all major periods.

The benchmark includes the 91-day Treasury bill rate, average call rate, and inflation. These comparisons show how well the fund protects and grows your money even in volatile conditions.

What the Fund Invests In

The Umbrella Trust Fund focuses on interest-bearing securities from trusted sources including government instruments and top-rated corporate issuers.

Here’s the March 2025 allocation:

• 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 provides steady income while keeping capital exposure low, especially important as Uganda heads into an election season.

Why This Fund Matters for Ugandan Investors

With headline inflation at 3.4 percent in March and the fund’s yield at 12.20 percent, investors are earning real returns that beat the cost of living.

This fund is ideal for:

• Growing your savings without risking your capital

• Saving toward school fees, land, a business, or retirement

• Creating a consistent stream of passive income

• Building an emergency fund that earns more than a bank account

You can get started with as little as UGX 100,000 and still benefit from institutional-level investment management.

How to Invest with Level Africa

Level Africa makes it easy to invest in the UAP Old Mutual Umbrella Trust Fund.

Here is how:

1. Create an account at Level Africa

2. Upload your National ID or Passport for verification

3. Go to the “Unit Trusts” section

4. Select the Umbrella Trust Fund

5. Deposit funds into your wallet

6. Place your investment order

7. Track your performance on your personal dashboard

Final Thoughts

The March 2025 numbers confirm that the UAP Old Mutual Umbrella Trust Fund remains a strong choice for investors who value consistent income, safety, and peace of mind. With low entry requirements and strong performance, it is a fund worth considering as part of your long-term financial strategy.

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Frequently Asked Questions

What is a unit trust?

A unit trust is a pooled investment where many people contribute money, and a professional fund manager invests it in assets like treasury bills, bonds, and fixed deposits. Investors earn returns based on how those investments perform.

How do unit trusts work in Uganda?

You buy units of the fund. The fund manager invests the combined money in interest-earning securities. Your unit value grows as the fund earns income, and you can sell your units and withdraw your money anytime, usually within two business days.

What are the benefits of a unit trust?

• Affordable to start

• Professionally managed

• Diversified for lower risk

• Offers better returns than most savings accounts

• Regulated by the Capital Markets Authority

Is it safe to invest in a unit trust?

Yes. Unit trusts in Uganda are regulated. While they carry some risk, low-risk funds like the Umbrella Trust Fund mainly invest in government and top-rated corporate securities, making them stable.

What is the minimum I can invest?

You can start with UGX 100,000 and add more anytime in increments of UGX 100,000.

Can I lose money in a unit trust?

Although unlikely in low-risk funds, returns may fluctuate slightly with interest rates or market changes. However, capital preservation is a core objective of the Umbrella Trust Fund.

How do I invest using Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Choose a unit trust

4. Fund your wallet

5. Place your order

6. Track your growth online

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