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.

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.

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.

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.

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.

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 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

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

Fund Overview

Managed by UAP Old Mutual Investment Group – Uganda, the Umbrella Trust Fund offers monthly income and capital preservation for investors with medium to long-term financial goals.

Key highlights for December 2024:

• Fund Size: UGX 2.391 trillion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2 (two business days)

• Risk Profile: Low

• December Yield: 11.85 percent

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Inception: 20 August 2013

This fund is suitable for savers, retirees, and anyone looking to earn predictable monthly returns while avoiding market volatility.

Performance Summary

The fund maintained a strong lead over its benchmark across all major timeframes.

These results underscore the fund’s consistent delivery of stable, inflation-beating returns for over a decade.

What the Fund Invests In

The Umbrella Trust Fund is structured around a diversified portfolio of income-generating assets, carefully selected for safety and performance.

Asset allocation as of December 2024:

• 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 conservative structure helps protect your capital while generating steady income, month after month.

Why This Fund Matters for Ugandan Investors

In December 2024, the Uganda shilling remained relatively stable, closing the quarter 0.67 percent stronger at UGX 3,670.27. Interest rates rose across the yield curve, with the 91-day bill closing at 10.744 percent, the 182-day at 13.116 percent, and the 364-day at 14.944 percent. Inflation also remained contained at 3.3 percent, providing a strong backdrop for fixed-income investors.

The Umbrella Trust Fund’s 11.85 percent return provides:

• Real income above inflation

• Low volatility and capital protection

• A buffer against currency and economic uncertainty

It’s ideal for:

• Professionals growing their savings

• Parents saving for tuition

• Retirees earning monthly income

• Anyone seeking more than what traditional savings accounts offer

How to Invest with Level Africa

Investing in the UAP Old Mutual Umbrella Trust Fund through Level Africa is easy. Follow these steps:

1. Create an account at Level Africa

2. Upload your National ID or Passport for verification

3. Navigate 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 returns from your dashboard

Start investing with as little as UGX 100,000.

Final Thoughts

As 2024 ends, the UAP Old Mutual Umbrella Trust Fund remains one of Uganda’s most consistent low-risk investments. With competitive returns, strong regulation, and easy access, it’s an ideal tool for building wealth safely over time.

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 collective investment where many people pool their money into a professionally managed fund that invests in secure, income-generating assets like treasury bills and bonds.

How do unit trusts work in Uganda?

You buy units in the fund, and the value of your units increases as the fund earns returns. You can redeem your investment at any time and access your money within two business days.

How much do I need to get started?

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

Is this fund safe?

Yes. The Umbrella Trust Fund is regulated by the Capital Markets Authority and classified as low risk. It invests primarily in high-quality government and corporate debt instruments.

Can I lose money in a unit trust?

While all investments carry some risk, this fund is designed for capital preservation and has a strong track record of stability and performance.

Why is this better than a regular savings account?

You earn higher returns, enjoy inflation protection, and benefit from professional fund management, while still having access to your money when needed.

How do I invest using Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Fund your wallet

4. Choose the Umbrella Trust Fund

5. Place your order

6. Monitor your returns anytime

The post December 2024 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy appeared first on Level Africa.

Fund Overview

The Umbrella Trust Fund, managed by UAP Old Mutual Investment Group – Uganda, is designed for capital preservation and monthly income. It’s a smart choice for cautious investors looking for more growth than a savings account without the volatility of stocks or forex.

Key features as of November 2024:

• Fund Size: UGX 2.417 trillion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2 (you can withdraw your funds in two business days)

• Risk Profile: Low

• November 2024 Yield: 11.38 percent

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Inception: 20 August 2013

Performance Summary

The fund outperformed its benchmark again this month and remains one of Uganda’s most stable fixed-income investment vehicles.

These returns prove the fund’s consistency and value in protecting and growing wealth.

What the Fund Invests In

The Umbrella Trust Fund maintains a well-diversified portfolio focused on interest-earning securities.

Asset allocation as of November 2024:

• 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 combination provides a strong balance between safety, income, and liquidity.

Why This Fund Matters for Ugandan Investors

In November, the Uganda shilling strengthened by 0.68 percent to close at UGX 3,689.14. This followed early-month weakness driven by dollar demand from the energy and manufacturing sectors. Interest rates also surged, with the 91-day Treasury bill closing at 11.719 percent and the 20-year bond touching a historic high of 17.5 percent.

Despite these fluctuations, the Umbrella Trust Fund delivered a reliable 11.38 percent return, making it an excellent fit for:

• Professionals growing their savings

• Parents preparing for tuition

• Individuals building an emergency fund

• Retirees seeking monthly income

• Anyone avoiding risky investments

How to Invest with Level Africa

Getting started is simple and fast. Here’s how:

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. Select the Umbrella Trust Fund

5. Deposit funds into your wallet

6. Place your investment order

7. Track your earnings from your dashboard

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

Final Thoughts

As interest rates rise and the economy adjusts to fiscal pressures, the UAP Old Mutual Umbrella Trust Fund continues to offer safe, inflation-beating returns. With easy access, low entry requirements, and a strong track record, it remains one of Uganda’s most trusted investments.

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 multiple investors contribute funds that are professionally managed and invested in income-generating securities like treasury bills and corporate bonds.

How do unit trusts work in Uganda?

You buy units in the fund. As the fund earns income, your investment grows. You can redeem your units and access your money within two business days.

What is the minimum investment amount?

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

Is the Umbrella Trust Fund safe?

Yes. It’s categorized as low risk and is regulated by the Capital Markets Authority. The fund invests in high-quality fixed-income instruments from government and corporates.

Can I lose money in this fund?

While all investments carry some risk, this fund is built for capital preservation and has consistently delivered positive returns.

How is this better than a savings account?

It offers higher interest, better protection against inflation, and monthly income while remaining accessible and professionally managed.

How do I invest through Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Fund your wallet

4. Choose the Umbrella Trust Fund

5. Place your investment

6. Track your performance online

The post November 2024 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy appeared first on Level Africa.

Fund Overview

The Umbrella Trust Fund, managed by UAP Old Mutual Investment Group – Uganda, is built for safety-conscious investors who want consistent, long-term returns with liquidity and peace of mind.

Key highlights for October 2024:

• Fund Size: UGX 2.340 trillion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

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

• Risk Profile: Low

• October Yield: 11.26 percent

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Launch: 20 August 2013

This fund is a strong option for professionals, retirees, and everyday savers aiming to build wealth securely over time.

Performance Summary

The Umbrella Trust Fund once again outperformed its benchmark, offering higher income and low volatility.

These results underscore the fund’s consistency, even during changing interest rate and currency conditions.

What the Fund Invests In

The Umbrella Trust Fund is a diversified portfolio of interest-bearing investments chosen to protect your money while generating steady income.

Asset allocation as of October 2024:

• 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 structure gives the fund balance, liquidity, and access to competitive yields across the short and long end of the market.

Why This Fund Matters for Ugandan Investors

The Uganda shilling appreciated 0.82 percent, closing the month at 3,664.68, supported by remittances, NGO flows, and a softer US dollar. Short-term rates were stable, with the 91-day, 182-day, and 364-day treasury bills closing at 10.472 percent, 12.916 percent, and 14.33 percent respectively.

Consumer inflation remained low, averaging 3.2 percent, well below the 5 percent target. With global central banks easing and yields holding steady, the Umbrella Trust Fund’s return of 11.26 percent offers investors a strong combination of:

• Inflation protection

• Reliable income

• Low market risk

• Liquidity in two business days

Ideal use cases include:

• Saving for school fees or land

• Retirement planning

• Emergency fund building

• Replacing low-interest savings accounts

How to Invest with Level Africa

Getting started is simple. 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. Choose the Umbrella Trust Fund

5. Deposit money into your wallet

6. Place your investment order

7. Track your returns from your personal dashboard

Start investing with as little as UGX 100,000.

Final Thoughts

The UAP Old Mutual Umbrella Trust Fund continues to prove its value with another month of strong, low-risk returns. Whether you are saving for a specific goal or just want your money to grow safely, this fund offers a trusted way to do it.

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 collective investment scheme that pools money from many investors and invests it in assets like treasury bills, bonds, and corporate paper. Professional fund managers handle the investments for you.

How do unit trusts work in Uganda?

When you buy units in the fund, your money is invested in income-generating instruments. You earn returns over time and can withdraw your investment in two working days.

What’s the minimum I can invest?

You can start with UGX 100,000. You can top up your investment anytime with the same amount or more.

How safe is the Umbrella Trust Fund?

It is categorized as low risk and regulated by the Capital Markets Authority. The fund mainly invests in secure, fixed-income instruments issued by the government or reputable institutions.

Can I lose money in this fund?

Although no investment is completely risk-free, the fund is designed for capital preservation. Its conservative strategy makes it one of the safest ways to grow your money.

How do I invest on Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Select the Umbrella Trust Fund

4. Fund your wallet

5. Place your investment

6. Track your progress anytime

The post October 2024 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy appeared first on Level Africa.

Fund Overview

Managed by UAP Old Mutual Investment Group – Uganda, the Umbrella Trust Fund is ideal for medium- to long-term investors who prioritize stability, income, and access to their funds.

Key highlights for September 2024:

• Fund Size: UGX 2.294 trillion

• Minimum Investment: UGX 100,000

• Top-Up Amount: UGX 100,000

• Liquidity: T+2 (two business days)

• Risk Profile: Low

• September 2024 Yield: 11.47 percent

• Management Fee: 2 percent

• Initial Fee: 0 percent

• Fund Inception: 20 August 2013

This fund remains a great option for conservative investors and those saving toward predictable life events like tuition, land, weddings, or retirement.

Performance Summary

The fund’s returns stayed strong and continued to outperform its benchmark.

These returns reinforce the value of consistent fund management and fixed-income exposure.

What the Fund Invests In

The Umbrella Trust Fund invests primarily in government and corporate debt instruments, carefully selected to maximize yield and manage risk.

Asset 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 balance ensures stability and predictable income for investors, even during economic uncertainty.

Why This Fund Matters for Ugandan Investors

The Uganda shilling traded in a stable range between 3,700 and 3,720 throughout the month. Inflation dropped to 3.5 percent from 4 percent in July, driven by improved FX stability and better food supply.

Despite these improvements, yields remained elevated. The one-year Treasury bill closed at 13.75 percent, while the 20-year bond hovered near 16.5 percent, showing continued demand for domestic debt.

The Umbrella Trust Fund’s 11.47 percent return helps investors:

• Beat inflation

• Avoid currency erosion

• Preserve capital

• Earn consistent monthly income

It’s particularly suited for:

• Professionals building an emergency fund

• Parents saving for school fees

• Retirees seeking monthly income

• Anyone looking for an alternative to traditional bank deposits

How to Invest with Level Africa

Starting your investment journey is easy with Level Africa. Here’s 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. Choose the Umbrella Trust Fund

5. Deposit funds into your wallet

6. Place your investment order

7. Track your performance from your dashboard

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

Final Thoughts

The UAP Old Mutual Umbrella Trust Fund remains one of the most reliable ways to grow your savings safely. With steady monthly returns, low entry requirements, and immediate access to funds, it is a smart choice for investors at any level.

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 many investors contribute their money, which is then managed by professionals who invest in interest-generating assets like treasury bills, bonds, and corporate paper.

How do unit trusts work in Uganda?

You buy units in the fund, and the value of your investment grows based on the fund’s performance. You can withdraw your funds within two working days.

Is the Umbrella Trust Fund safe?

Yes. It is a low-risk fund regulated by the Capital Markets Authority and backed by secure assets like government securities and corporate debt.

How much do I need to start?

The minimum investment is UGX 100,000, with top-ups allowed from the same amount.

Can I lose money in this fund?

The Umbrella Trust Fund focuses on capital preservation. While no investment is 100 percent risk-free, this fund is designed to minimize losses and deliver consistent returns.

Why is this better than a savings account?

Unit trusts offer higher returns, better inflation protection, and professional management compared to traditional bank savings.

How do I invest on Level Africa?

1. Sign up at Level Africa

2. Upload your ID

3. Fund your wallet

4. Choose the Umbrella Trust Fund

5. Place your order

6. Track your performance anytime

The post September 2024 Unit Trusts in Uganda Update – UAP Old Mutual Umbrella Trust Fund Performance and Strategy appeared first on Level Africa.