Fund Overview

The Umbrella Trust Fund is a medium- to long-term unit trust designed to provide capital preservation and steady income while offering better returns than short-term money market instruments.

Key details for June 2025:

• Yield: 12.55%

• Fund Size: UGX 2.796 trillion

• Minimum Investment: UGX 100,000

• Top-up Amount: UGX 100,000

• Liquidity: T+2 (access funds within 2 business days)

• Risk Profile: Low

• Management Fee: 2%

• Initial Fee: 0%

• Benchmark: Weighted average of 91-day T-bill (40%), average call rate (40%), and inflation (20%)

• Fund Manager: UAP Old Mutual Investment Group – Uganda

• Launch Date: 20 August 2013

Fund Performance Summary

The fund has consistently outperformed its benchmark, reflecting strong portfolio management and selection of yield-enhancing assets.

What the Fund Invests In

The Umbrella Trust Fund maintains a balanced allocation across various fixed-income instruments, with a bias toward long-term government securities:

Asset Allocation (June 2025):

• Treasury Bonds: 33.98%

• Treasury Bills: 29.89%

• Corporate Paper: 26.20%

• Fixed Deposits: 5.14%

• Cash & Call: 4.70%

Maturity Profile:

• Less than 1 year: 17.58%

• 1–5 years: 16.32%

• 5–10 years: 44.10%

• Over 10 years: 21.99%

This structure helps the fund provide both steady income and long-term capital protection.

Market Context – June 2025

Currency

The Uganda shilling appreciated by 1%, closing at UGX 3,594.41/USD. This was driven by global dollar weakness, strong remittances, and offshore investor inflows.

Inflation

Headline inflation rose slightly to 3.9%, driven by energy costs and outpatient service prices. Food prices eased, offering a partial offset.

Interest Rates

Short-term yields were mixed:

• 91-day T-bill: down 38.2 bps to 11.31%

• 182-day and 364-day: rose slightly

• Long-term bond yields declined due to fiscal year-end portfolio rebalancing.

Outlook

Yields are expected to remain elevated but soften slightly from Q2 highs due to pre-election government spending and high budgetary requirements.

Why This Fund Matters for Ugandan Investors

The Umbrella Trust Fund is suitable for:

• Investors planning for medium to long-term goals like land, retirement, or education

• Risk-averse savers looking for inflation protection

• Professionals and institutions aiming to preserve capital while earning strong income

With its UGX 2.796 trillion fund size, low-risk structure, and T+2 liquidity, this fund offers one of the most consistent and accessible long-term unit trust options in Uganda.

How to Invest in the UAP Old Mutual Umbrella Trust Fund via Level Africa

Level Africa makes it easy to invest in the Umbrella Trust Fund from anywhere:

1. Create an account at Level Africa

2. Upload your National ID or Passport

3. Go to the Unit Trusts section

4. Select the UAP Old Mutual Umbrella Trust Fund

5. Deposit funds into your Level wallet

6. Place your investment order

7. Track your returns and fund performance from your dashboard

Final Thoughts

In a market full of uncertainty, the UAP Old Mutual Umbrella Trust Fund continues to offer low-risk investors a clear edge. With a 12.55% return in June 2025, inflation protection, and quick access to funds, it’s a solid choice for wealth preservation and growth in Uganda.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

Frequently Asked Questions

What is the UAP Old Mutual Umbrella Trust Fund?

It is a conservative unit trust that invests in government securities, corporate paper, and deposits for long-term income and capital preservation.

What was its return in June 2025?

It returned 12.55 percent, well above its benchmark of 9.30 percent.

What’s the minimum investment?

UGX 100,000 to start, and UGX 100,000 for top-ups.

How soon can I withdraw?

The fund offers T+2 liquidity, meaning funds are accessible within two business days.

Who is this fund ideal for?

It’s best suited for savers, long-term planners, and institutions that want low-risk, inflation-beating returns.

Is it regulated?

Yes. The fund is managed by UAP Old Mutual Investment Group – Uganda, under the regulation of the Capital Markets Authority.

The post June 2025 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy appeared first on Level Africa.

Fund Overview

The Money Market Fund is a unit trust designed for short-term investors seeking steady income, liquidity, and low risk. It invests in high-quality, interest-bearing securities with a maturity of less than 36 months.

Key facts for June 2025:

• Monthly Yield: 12.01%

• Fund Size: UGX 13.085 billion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2

• Initial Fee: 0%

• Management Fee: 2%

• Benchmark: 91-day Uganda Treasury Bill

• Risk Profile: Medium

• Launch Date: 20 August 2013

• Fund Manager: UAP Old Mutual Investment Group – Uganda

Performance Summary

The fund outperformed its benchmark across all periods:

What the Fund Invests In

This fund builds its strength from its diversification across reliable asset classes:

• Treasury Bonds: 33.98%

• Treasury Bills: 29.89%

• Corporate Paper: 26.20%

• Fixed Deposits: 5.14%

• Cash & Call: 4.70%

It holds a short average maturity profile, with:

• 52.02% of assets maturing in 0–3 months

• 15.15% in 3–6 months

• 9.38% in 6–9 months

• 4.97% in 9–12 months

• 17.77% beyond 12 months

June 2025 Market Commentary

• Currency: The Uganda shilling appreciated by 1%, closing at UGX 3,594.41/USD. Strong remittances and global dollar weakness supported this gain.

• Inflation: Headline inflation edged up slightly to 3.9%, driven by energy and outpatient services costs.

• Interest Rates: Mixed trends were observed. The 91-day Treasury bill yield dropped to 11.31%, while the long-term bond yields declined across the curve due to end-of-year rebalancing.

• Outlook: Yields are expected to remain high but slightly lower than Q2, as fiscal spending and funding needs increase ahead of elections.

Why This Fund Matters for Ugandan Investors

This fund is particularly useful for:

• Individuals saving toward short-term goals like rent, tuition, or emergencies

• SMEs managing seasonal or idle cash

• Professionals looking for better-than-bank returns without locking up funds

• Conservative investors avoiding riskier assets

Its 12.01% return in June provided:

• Inflation-beating performance

• Daily pricing and quick access

• Better returns than typical savings or fixed deposits

• Safe income with lower volatility than equities

How to Invest in the UAP Old Mutual Money Market Fund via Level Africa

You can get started from anywhere in just a few steps:

1. Create an account at Level Africa

2. Upload your National ID or Passport

3. Go to the Unit Trusts section

4. Select the UAP Old Mutual Money Market Fund

5. Deposit funds into your wallet

6. Place your investment order

7. Track your performance through your dashboard

Final Thoughts

June 2025 saw the UAP Old Mutual Money Market Fund continue its strong, steady performance. A 12.01% return, capital protection, and liquidity make it one of the best-performing money market unit trusts in Uganda today.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

Frequently Asked Questions

What is the UAP Old Mutual Money Market Fund?

It’s a low-risk unit trust that invests in Treasury bills, bonds, deposits, and corporate paper to earn regular income while preserving capital.

What is the fund’s return for June 2025?

It returned 12.01 percent, outperforming its benchmark of 11.31 percent.

How soon can I access my money?

Withdrawals are processed within 2 business days (T+2).

What is the minimum investment?

UGX 100,000 to start and the same amount for top-ups.

Is the fund regulated?

Yes. It’s regulated by the Capital Markets Authority and managed by UAP Old Mutual Investment Group – Uganda.

How is this different from saving in a SACCO or bank?

It offers higher returns, daily valuation, professional management, and no lock-in period.

How do I invest via Level Africa?

1. Create an account at Level Africa

2. Upload your National ID or Passport

3. Go to the Unit Trusts section

4. Select the UAP Old Mutual Money Market Fund

5. Deposit funds into your wallet

6. Place your investment order

7. Track your performance through your dashboard

The post June 2025 Unit Trusts in Uganda Update – UAP Old Mutual Money Market Fund Performance and Strategy appeared first on Level Africa.

Fund Overview

The Money Market Fund, managed by UAP Old Mutual Investment Group – Uganda, is designed for investors who want a low-volatility, interest-earning vehicle with quick access to their money.

Key features as of May 2025:

• Fund Size: UGX 12.931 billion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

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

• Risk Profile: Medium

• May Yield: 10.95 percent

• Benchmark: 91-day Treasury bill (closed at 11.688 percent)

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Inception: 20 August 2013

The fund is suitable for individuals and businesses looking to earn interest on short-term savings without locking funds in for long durations.

Performance Summary

The Money Market Fund remained competitive against its benchmark:

Its consistent performance shows the fund’s ability to deliver strong returns with lower risk and greater liquidity than fixed deposits or long-term bonds.

What the Fund Invests In

The Money Market Fund invests in interest-bearing assets with short maturities to ensure quick access to funds and capital preservation.

Asset allocation as of May 2025:

• Treasury Bonds: 33.98 percent

• Treasury Bills: 29.89 percent

• Corporate Paper: 26.20 percent

• Fixed Deposits: 5.14 percent

• Cash & Call: 4.70 percent

The maturity profile is heavily weighted toward short-term instruments (below 12 months), with:

• 66.58% maturing within 3 months

• 21.72% between 3 to 12 months

• 11.70% above 12 months

This ensures both yield and liquidity for investors.

Why This Fund Matters for Ugandan Investors

In May, the Uganda shilling appreciated by 0.95 percent, closing at UGX 3,630.86, supported by strong dollar inflows, export earnings (especially from coffee), and financial market reforms. Treasury yields remained elevated across most tenors as government borrowing increased following approval of a UGX 4.86 trillion supplementary budget.

• 91-day T-bill: 11.688 percent

• 182-day: 12.419 percent

• 364-day: 15.281 percent

Inflation rose to 3.8 percent, the highest since August 2024, driven by food and transport prices. Core inflation also edged up to 4.2 percent.

Amid these pressures, the Money Market Fund provided investors:

• Liquidity within 2 business days

• Higher income than most bank deposits

• A buffer against rising inflation

• Diversified short-term exposure

How to Invest with Level Africa

You can start investing with Level Africa in minutes. Here’s how:

1. Create an account at Level Africa

2. Upload your National ID or Passport

3. Go to the Unit Trusts section

4. Select the UAP Old Mutual Money Market Fund

5. Deposit funds into your wallet

6. Place your order

7. Track your returns from your dashboard

Final Thoughts

With elevated yields and rising inflation, the UAP Old Mutual Money Market Fund offers a safe way to earn competitive returns on short-term cash. It’s ideal for anyone who needs their money accessible but still wants it to grow.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

Frequently Asked Questions

What is a money market fund?

A money market fund is a short-term investment that invests in secure interest-bearing assets like Treasury bills, fixed deposits, and corporate paper. It’s designed to provide income and preserve capital.

Who is the Money Market Fund for?

It’s ideal for savers, businesses, and investors who want better returns than a savings account but still need access to their money.

What’s the minimum investment?

You can start with UGX 100,000 and top up from the same amount or more.

How quickly can I access my money?

Withdrawals are processed within two business days (T+2), offering flexibility and liquidity.

Is this fund safe?

It’s a medium-risk fund regulated by the Capital Markets Authority. It invests in secure government and corporate short-term instruments.

How does it compare to fixed deposits or SACCOs?

The Money Market Fund usually pays higher interest than most fixed deposits or SACCO accounts, and allows easier withdrawals.

How do I invest using Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Fund your wallet

4. Choose the UAP Old Mutual Money Market Fund

5. Place your order

6. Track your performance online

The post May 2025 Unit Trusts in Uganda Update – UAP Old Mutual Money Market Fund Performance and Strategy appeared first on Level Africa.

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.

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:

1. Create an account on Level Africa

2. Upload your National ID or Passport to complete 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 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.

Start Now – Create an Account on Level Africa

Join our community of like minded investors like yourself today Building Wealth With Level Africa.

Stay updated by following our WhatsApp channel.

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.

The post May 2025 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Insights appeared first on Level Africa.

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.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

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

The post April 2025 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy appeared first on Level Africa.

Fund Overview

The Money Market Fund, managed by UAP Old Mutual Investment Group – Uganda, is built for safety, income, and quick access to funds.

Key details for April 2025:

• Fund Size: UGX 11.773 billion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2 (two business days)

• Risk Profile: Medium

• April 2025 Yield: 10.77 percent

• Benchmark: 91-day Treasury Bill (closed at 10.625 percent)

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Inception: 20 August 2013

Performance Summary

The fund stayed ahead of its benchmark over longer timeframes.

This consistent performance shows the value of professional management and disciplined short-term investing.

What the Fund Invests In

The fund focuses on high-quality, interest-earning assets with short maturities to maintain safety and liquidity.

Asset allocation:

• Treasury Bonds: 33.98 percent

• Treasury Bills: 29.89 percent

• Corporate Paper: 26.20 percent

• Fixed Deposits: 5.14 percent

• Cash & Call: 4.70 percent

Maturity profile:

• 68.67% matures in under 3 months

• 15.62% matures in 3 to 6 months

• 10.22% matures in 6 to 9 months

• 5.49% matures beyond 9 months

This structure provides investors with income, safety, and near-instant access.

Why This Fund Matters for Ugandan Investors

In April, the Uganda shilling was stable, depreciating just 0.08 percent, closing at UGX 3,665.64. The local market was affected by rising election uncertainty and increased fiscal pressure. Yields remained elevated:

• 91-day T-bill: 10.625 percent

• 182-day: 12.428 percent

• 364-day: 15.016 percent

Inflation edged up to 3.5 percent, mainly due to rising service prices. Despite this, the fund delivered an April return of 10.77 percent, making it a strong pick for:

• Salary earners saving short-term

• Businesses optimizing idle cash

• Anyone needing higher interest than a regular savings account

• Emergency fund builders

How to Invest with Level Africa

You can begin investing in just a few minutes. Here’s how:

1. Create an account at Level Africa

2. Upload your National ID or Passport

3. Go to the Unit Trusts section

4. Select the Money Market Fund

5. Deposit money into your wallet

6. Place your investment order

7. Track your returns from your dashboard

Final Thoughts

The UAP Old Mutual Money Market Fund delivered another month of reliable, short-term income with minimal risk. If you’re looking to beat inflation and earn steady returns while keeping your money accessible, this fund offers a simple and effective solution.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

Frequently Asked Questions

What is a money market fund?

It’s a type of investment that focuses on low-risk, short-term instruments like Treasury bills, fixed deposits, and corporate notes to deliver steady income and preserve capital.

How fast can I access my money?

Withdrawals are processed within two business days (T+2), making this fund highly liquid.

Who should invest in this fund?

It’s ideal for individuals and businesses seeking safe, short-term returns that beat bank savings accounts.

How much do I need to start?

You can invest with a minimum of UGX 100,000, and top up from the same amount or more.

Is the Money Market Fund safe?

Yes. It’s regulated by the Capital Markets Authority and follows a conservative investment strategy focused on secure, interest-bearing assets.

How do I invest with Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Fund your wallet

4. Choose the UAP Old Mutual Money Market Fund

5. Place your investment

6. Track your returns online

The post April 2025 Unit Trusts in Uganda Update – UAP Old Mutual Money Market Fund Performance and Strategy appeared first on Level Africa.

Fund Overview

The Money Market Fund, managed by UAP Old Mutual Investment Group – Uganda, is ideal for those seeking stable, short-term returns with minimal risk.

Key facts as of March 2025:

• Fund Size: UGX 11.349 billion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2 (two business days)

• Risk Profile: Medium

• March 2025 Yield: 10.90 percent

• Benchmark: 91-day Treasury Bill (closed at 10.341 percent)

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Inception: 20 August 2013

Performance Summary

The fund has consistently outpaced its benchmark, providing reliable growth for short-term investors.

What the Fund Invests In

The fund invests in a mix of short-term, interest-bearing assets designed to maximize safety, yield, and access.

Asset allocation as of March 2025:

• Treasury Bonds: 33.98 percent

• Treasury Bills: 29.89 percent

• Corporate Paper: 26.20 percent

• Fixed Deposits: 5.14 percent

• Cash & Call: 4.70 percent

Maturity profile:

• 52.02% matures in under 3 months

• 10.44% matures in 3 to 6 months

• 3.77% matures in 6 to 9 months

• 33.77% matures above 12 months

This structure ensures the fund is always liquid and ready to respond to interest rate changes quickly.

Why This Fund Matters for Ugandan Investors

In March, the Uganda shilling appreciated by 0.47 percent, closing at UGX 3,662.55. The gain was supported by strong coffee exports and renewed interest from foreign investors in Uganda’s bond markets.

Treasury yields dropped during the quarter:

• 91-day T-bill: 10.341 percent

• 182-day: 12.453 percent

• 364-day: 14.638 percent

Inflation also declined to 3.4 percent, supported by falling food and transport costs.

Against this backdrop, the Money Market Fund’s 10.90 percent yield gave investors:

• Higher returns than most bank deposits

• Quick access to cash (within 2 business days)

• Capital preservation in a declining inflation environment

• A flexible tool for short-term planning

How to Invest with Level Africa

You can invest in just a few easy steps:

1. Create an account at Level Africa

2. Upload your National ID or Passport

3. Go to the Unit Trusts section

4. Select the UAP Old Mutual Money Market Fund

5. Deposit funds into your wallet

6. Place your investment order

7. Track your performance from your dashboard

Final Thoughts

The UAP Old Mutual Money Market Fund continues to deliver steady, low-risk returns while keeping your money accessible. Whether you’re saving for a near-term expense or looking to grow idle funds, this fund is a smart place to park your cash.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

Frequently Asked Questions

What is a money market fund?

It’s a type of investment that focuses on short-term, low-risk securities like treasury bills, commercial paper, and fixed deposits.

How fast can I access my money?

You can withdraw funds within two business days (T+2), making it highly liquid.

Who is this fund for?

Salaried individuals, businesses, and anyone looking to grow cash reserves while avoiding long-term commitments or market volatility.

What’s the minimum investment?

Start with UGX 100,000, and you can top up anytime with the same amount or more.

Is this a safe investment?

Yes. The fund is regulated by the Capital Markets Authority and focuses on secure, interest-generating assets.

How does it compare to savings accounts?

It offers higher interest, easy withdrawals, and greater transparency on how your money is invested.

How do I invest through Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Fund your wallet

4. Select the UAP Old Mutual Money Market Fund

5. Place your investment

6. Track your earnings from your dashboard

The post March 2025 Unit Trusts in Uganda Update – UAP Old Mutual Money Market Fund Performance and Strategy appeared first on Level Africa.

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.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

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

The post March 2025 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy appeared first on Level Africa.

Fund Overview

The Money Market Fund, managed by UAP Old Mutual Investment Group – Uganda, is a low-volatility option that offers interest income and capital preservation for individuals and institutions.

Key features for February 2025:

• Fund Size: UGX 10.621 billion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2 (withdrawable in two business days)

• Risk Profile: Medium

• February Yield: 10.81 percent

• Benchmark: 91-day Treasury Bill (closed at 10.391 percent)

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Inception: 20 August 2013

Performance Summary

The fund continued its outperformance against its benchmark.

This consistency makes it a strong candidate for savers looking to protect and grow idle cash.

What the Fund Invests In

The Money Market Fund invests in short-term, interest-bearing instruments with high liquidity and low risk.

Asset allocation:

• Treasury Bonds: 33.98 percent

• Treasury Bills: 29.89 percent

• Corporate Paper: 26.20 percent

• Fixed Deposits: 5.14 percent

• Cash & Call: 4.70 percent

Maturity profile:

• 65.83% matures within 3 months

• 7.04% matures in 3–6 months

• 23.15% matures in 9–12 months

• 3.98% matures above 12 months

This blend allows for strong yields and fast liquidity when needed.

Why This Fund Matters for Ugandan Investors

The Uganda shilling appreciated 0.15 percent, ending February at UGX 3,679.73. Strong coffee and cocoa exports supported the currency. Meanwhile, Treasury yields declined, driven by a drop in government borrowing and demand from offshore investors.

• 91-day T-bill: 10.391 percent

• 182-day: 13.519 percent

• 364-day: 14.853 percent

Inflation ticked up slightly to 3.7 percent, largely due to food price increases. Despite this, the fund’s return of 10.81 percent continued to outpace inflation and outperform traditional savings products.

This makes it ideal for:

• Professionals looking for low-risk returns

• Business owners managing operational cash

• Families building emergency savings

• Anyone parking funds temporarily while waiting for better investment opportunities

How to Invest with Level Africa

You can invest in the Money Market Fund in just a few steps:

1. Create an account at Level Africa

2. Upload your National ID or Passport

3. Go to the Unit Trusts section

4. Select the Money Market Fund

5. Deposit funds into your wallet

6. Place your order

7. Track your performance anytime from your dashboard

Final Thoughts

February’s 10.81 percent return proves that the UAP Old Mutual Money Market Fund remains a reliable option for short-term investing. With liquidity, consistent income, and strong risk controls, it’s an excellent alternative to bank deposits or fixed-term products.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

Frequently Asked Questions

What is a money market fund?

A money market fund invests in low-risk, short-term securities like Treasury bills, commercial paper, and fixed deposits to earn stable interest income.

How quickly can I access my money?

Withdrawals are processed in two business days (T+2), ensuring high liquidity.

Who should invest in this fund?

Anyone looking to preserve capital while earning regular income—ideal for both individuals and businesses.

How much do I need to start?

You can invest with UGX 100,000, and top up with UGX 100,000 or more.

Is this fund safe?

It’s considered medium risk and is regulated by the Capital Markets Authority. It invests in secure debt instruments.

How does it compare to fixed deposits or SACCOs?

It typically offers better returns and more flexibility, with no lock-in period and professional management.

How do I invest using Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Fund your wallet

4. Choose the UAP Old Mutual Money Market Fund

5. Place your order

6. Monitor your progress from your dashboard

The post February 2025 Unit Trusts in Uganda Update – UAP Old Mutual Money Market Fund Performance and Strategy appeared first on Level Africa.

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.

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:

1. Create an account on Level Africa

2. Upload your National ID or Passport to complete 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 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.

Start Now – Create an Account on Level Africa
Join our community of like minded investors like yourself today Building Wealth With Level Africa.
Stay updated by following our WhatsApp channel.

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?

1. Open your account at Level Africa

2. Upload your ID

3. Choose the fund

4. Fund your wallet

5. Place your order

6. Track your growth online

The post February 2025 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy appeared first on Level Africa.