The portfolio is actively monitored and rebalanced to reflect changing market conditions.
Designed for stability in downmarkets and growth in upmarkets, this portfolio adopts to various market conditions.
The portfolio predominantly invests in high-quality money market and short duration bond funds.
Enjoy the benefits of accessing your business's cash whenever necessary, without any lock-in period or withdrawal penalties.
UOBAM BizCash+ is the smarter way to grow your business’s cash with higher yields of up to 3.6%* p.a., no lock-in period, no platform charge and advisory fee.
| United SGD Fund - Class B SGD ACC | 80% |
| United SGD Money Market Fund - Class B SGD Acc | 20% |
Portfolio underlying funds allocation as of 6 September 2024
Depending on market conditions, the allocation of the portfolio may change or include a tactical allocation to the United Singapore Bond Fund for higher yield opportunities.
Inflation is set to stay structurally higher for years to come, driven by factors such as US-China tensions, climate change, and global instability. Given that inflation erodes the value of cash over time, it is more important than ever for business owners to put their idle cash to work.
UOBAM BizCash+ targets to help business owners in the following ways:
| To earn a higher yield* on idle business cash | |
| To offset inflationary pressures on company's operations | |
| As a parking facility for short-term cash while awaiting investment opportunities |
The portfolio is suitable for businesses with an investment horizon longer than one year.
*Note that the value of investments may fluctuate according to market conditions and no representation or promise as to the performance of the portfolio or its funds or the return on your investment is made.
| Maximum drawdown | -3.4%^ |
| Risk level |  Low |
| Recommended horizon | 1 - 3 years |
| Portfolio rebalancing | Every quarter |
| Redemption settlement | 3 - 5 Business days |
^Max Drawdown refers to the maximum observed loss from a peak to a trough of a portfolio, before a new peak is attained. It is an indicator of downside risk over a specified time period.
| Sales charge | 1% |
| Annual management fee | Refer to respective fund prospectus |
| Platform charge | Free |
| Advisory fee | Free |
Money market funds and very short-term bonds are currently providing some of the best interest rates we have experienced in quite some time. This is a significant turn from the near-zero rates seen since the great Financial Crisis. Investors now have a prime opportunity to move cash from low-yielding savings accounts into these options, which present the chance to earn potentially higher returns with very low risk.
Our investment team keeps a close eye on the portfolio, so you have more time to focus on your business.
or speak to your UOBAM adviser today.
There will be a 1% sales charge, however, there are currently no platform and advisory fees.
UOBAM BizCash+ returns are accrued daily and automatically reflected in your portfolio net asset value (NAV). The NAV may increase or decrease as the value of the underlying funds increases or decreases, respectively.
It can take up to 5 business days to receive your withdrawal proceeds in your bank account.
The BizCash+'s YTM is presented based on the weighted average gross yield to maturity (YTM) of the portfolio's underlying funds, less the weighted average Total Expense Ratio ("TER") of the underlying funds.
The YTM is presented in SGD terms and may be affected by the undertaking of discretionary portfolio management strategies such as currency hedging.
Yield typically refers to the income generated by an investment, such as interest or dividends, expressed as a percentage of the investment's value. It focuses on the income aspect of the investment based on certain assumptions or projections, such as the stated interest rate or dividend yield and it represents the theoretical yield that an investment is expected to generate.
Returns, on the other hand, encompass both income (yield) and capital appreciation or depreciation of the investment over a specific period. It represents the real income or return realized by an investor over a specific period. Actual returns may differ from expected gross yield due to various factors such as changes in market conditions, fluctuations in interest rates, hedging strategies, unexpected market events, and any other costs and it may be higher or lower than the expected yield as it reflects the actual performance of the investment.
For example, if you have invested $1,000 in a bond with a 5% annual interest rate, the yield on the bond is 5% because that's the interest rate promised by the bond issuer. However, if the value of the bond increases over time and you sell it for $1,060, your actual return includes both the interest you earned (yield) plus the capital gain from the increased value of the bond. So, while the yield remains at 5%, your actual return of the capital gain would be $60 ($1,060 - $1,000).
For more information on the list of awards won by UOBAM, visit https://www.uobam.com.sg/awards
This document is for your general information only. It does not constitute investment advice, recommendation or an offer or solicitation to deal in Exchange Traded Funds ("ETFs") or in units in any Unit Trusts ("Unit Trusts", ETFs and Unit Trusts shall together be referred to as "Fund(s)") nor does it constitute any offer to take part in any particular trading or investment strategy. This document was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. The information is based on certain assumptions, information and conditions available as at the date of this document and may be subject to change at any time without notice. If any information herein becomes inaccurate or out of date, we are not obliged to update it. No representation or promise as to the performance of the Fund or the return on your investment is made. Past performance of any Fund or UOB Asset Management Ltd ("UOBAM") and any past performance, prediction, projection or forecast of the economic trends or securities market are not necessarily indicative of the future or likely performance of the Fund or UOBAM. The value of any Fund and the income from them, if any, may fall as well as rise, and may have high volatility due to the investment policies and/or portfolio management techniques employed by the Fund. Investments in any Fund involve risks, including the possible loss of the principal amount invested, and are not obligations of, deposits in, or guaranteed or insured by United Overseas Bank Limited ("UOB"), UOBAM, or any of their subsidiary, associate or affiliate ("UOB Group") or distributors of the Fund. Market conditions may limit the ability of the platform to trade and investments in non-Singapore markets may be subject to exchange rate fluctuations. The Fund may use or invest in financial derivative instruments and you should be aware of the risks associated with investments in financial derivative instruments which are described in the respective Fund's prospectus. The UOB Group may have interests in the Funds and may also perform or seek to perform brokering and other investment or securities-related services for the Fund. Investors should read the Fund's prospectus, which is available and may be obtained from UOBAM or any of its appointed agents or distributors, before investing. You may wish to seek advice from a financial adviser before making a commitment to invest in any Funds, and in the event that you choose not to do so, you should consider carefully whether the Fund is suitable for you. Any reference to any specific country, financial product or asset class is used for illustration or information purposes only and you should not rely on it for any purpose. We will not be responsible for any loss or damage arising directly or indirectly in connection with, or as a result of, any person acting on any information provided in this document. Services offered by UOBAM Invest are subject to the UOBAM Invest Terms and Conditions.
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