May 2025 Unit Trust Update – UAP Old Mutual Umbrella Trust Fund Performance and Insights

The May 2025 update for the UAP Old Mutual Umbrella Trust Fund shows why this fund remains one of the most attractive options for Ugandan investors looking for a reliable and low-risk way to grow their money.

Whether you are saving for school fees, retirement, or simply looking to earn a better return than a regular savings account, this unit trust offers a practical way to build wealth while preserving your capital. Let’s break down the latest performance and how the fund works.

Fund Overview

The Umbrella Trust Fund is managed by UAP Old Mutual Investment Group – Uganda. It was launched in August 2013 and is built for investors who want long-term returns with low volatility.

Here’s a snapshot of key features:

Fund Size: UGX 2.728 trillion
Minimum Investment: UGX 100,000
Minimum Top-Up: UGX 100,000
Liquidity: Withdrawals processed in T+2 days
Risk Level: Low
May 2025 Yield: 12.24%
Management Fee: 2 percent
Initial Fee: 0 percent

This fund is especially suitable for investors who want to preserve capital, beat inflation, and avoid the ups and downs of the stock market.

Performance Summary

The Umbrella Trust Fund continues to deliver consistent results, outperforming its benchmark across all timeframes.

Period	Return (%)	Benchmark (%)
May 2025	12.24	9.63
Year to Date	12.21	9.50
1 Year	12.02	9.22
Since Inception	11.89	8.54

The benchmark is calculated based on a blend of the 91-day T-bill rate, the average call rate, and the inflation rate. The fund’s performance shows strong income generation while remaining relatively stable, which is ideal in a high-interest, high-inflation environment like Uganda’s.

What the Fund Invests In

The Umbrella Trust Fund invests in interest-earning financial instruments from trusted issuers such as the government and top-rated companies. These assets are designed to generate consistent income while keeping risk low.

Here’s how the fund’s assets are allocated:

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

By diversifying across short-term and long-term fixed-income securities, the fund maintains stability while taking advantage of attractive yields across the curve.

Why This Fund Matters for Ugandan Investors

With Uganda’s inflation rising to 3.8 percent in May 2025, the Umbrella Trust Fund’s 12.24 percent yield offers a safe and meaningful way to protect and grow your money.

This fund is ideal if you are:

Planning for future expenses like school fees, land, or a wedding
Building an emergency fund
Looking for a low-risk way to earn income
Tired of low savings account returns

The fund is backed by government securities and top-tier financial institutions. Plus, it offers T+2 liquidity, so your money is accessible when you need it.

How to Invest with Level Africa

Getting started is simple. Here’s how you can invest in the Umbrella Trust Fund through Level Africa:

Create an account on Level Africa
Upload your National ID or Passport to complete KYC
Go to the “Unit Trusts” section under Products
Select the Umbrella Trust Fund
Deposit money into your wallet
Place your investment order
Track your performance directly from your dashboard

You can start with as little as UGX 100,000 and grow your investment at your own pace.

Final Thoughts

The UAP Old Mutual Umbrella Trust Fund remains a smart option for Ugandans seeking low-risk, income-generating investments. With strong historical performance and easy access through Level Africa, this fund is a solid step toward your financial goals.

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Frequently Asked Questions

What is a unit trust?

A unit trust is a pooled investment fund where your money is combined with other investors’ money and professionally managed. The fund invests in assets like treasury bills, bonds, or corporate paper. You earn returns based on the overall performance of the fund.

How do unit trusts work in Uganda?

You buy “units” in the fund. The value of these units increases or decreases based on the performance of the fund’s investments. Fund managers make the investment decisions for you. You can cash out your investment when needed, usually within 2 business days.

What are the benefits of investing in a unit trust?

Low starting capital
Access to professional fund managers
Lower risk through diversification
Steady returns
Easy access and flexible top-ups

Is it safe to invest in a unit trust?

Yes. Unit trusts in Uganda are regulated by the Capital Markets Authority. Funds that invest in government and high-quality corporate securities are considered low risk, especially those labeled as “low-risk” funds.

What is the minimum amount needed to invest?

The minimum initial investment for the Umbrella Trust Fund is UGX 100,000. The same amount applies for top-ups.

How do I get started with Level Africa?

Open an account, complete KYC with your National ID or passport, deposit funds, choose a unit trust, and place your order. Everything can be done online on the Level Africa platform.

Can I lose money in a unit trust?

While low-risk funds aim to preserve your capital, there’s always a chance of short-term losses due to market fluctuations. However, unit trusts are designed for long-term stability, especially those investing in treasury instruments.