United Stable Income Fund (USIF)

USIF’s investment objective is to generate stable and regular income while preserving capital for investors by constructing a diversified portfolio comprising deposits, money market instruments, and high-quality debt securities such as government bonds, government-guaranteed bonds, municipal bonds, and corporate bonds. USIF also aims to provide annual income distribution.

USIF’s investment strategy is grounded in comprehensive analysis of macroeconomic conditions, interest rate trends, and developments in the money market, bond market, and corporate landscape. Based on these insights, the Fund allocates its assets to high-yield long-term bonds such as corporate bonds and municipal bonds, combined with short-term instruments like term deposits and certificates of deposit. This approach aims to deliver competitive returns compared to traditional bank deposits while maintaining capital safety and meeting the Fund’s short-term liquidity needs. USIF prioritizes investments in assets with strong credit quality and attractive market yields. Additionally, asset allocation is designed to ensure diversification and liquidity, minimizing risk for the Fund.

Key features and benefits
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  • Professional fund management company

    USIF is managed by UOBAM (Vietnam), a subsidiary of UOB Asset Management Ltd (“UOBAM”). UOBAM is one of Asia’s leading asset management groups with over 39 years of experience and an outstanding track record, having received more than 380 international awards.

  • Opportunity for Regular Income and Capital Growth

    USIF invests in a diversified range of assets designed to generate stable income, aiming to provide annual cash distributions to investors alongside long-term capital growth potential. This makes USIF an ideal choice for investors seeking consistent yearly income while growing their wealth.

  • Robust Investment Process and Risk Management

    USIF applies a disciplined investment process supported by a credit rating framework for deposits, money market instruments, and corporate bonds, ensuring prudent risk management and portfolio quality.

  • High liquidity and convenient transaction

    USIF offers liquidity with trading twice a week on Tuesdays and Thursdays, meeting investors’ transaction needs. Investors can easily    buy or redeem fund units through the Fund’s authorized distributors

  • Transparent and public information with the supervision of a reputable bank

    USIF’s assets are held under the custody and supervision of Standard Chartered Bank, a reputable and independent institution recognized for its expertise in fund custody and oversight. This ensures transparency and security for investors.

The document is for general information only. It does not constitute an offer or solicitation to deal in fund certificates in the Fund (“Fund Certificates”) or investment advice or recommendation and 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. No representation or promise as to the performance of the Fund or the return on your investment is made. Past performance of the Fund or UOB Asset Management (Vietnam) Fund Management Joint Stock Company (“UOBAM (Vietnam)”) 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 (Vietnam). The value of Fund Certificates and the income from them, if any, may fall as well as rise, and is likely to have high volatility due to the investment policies and/or portfolio management techniques employed by the Fund. Investments in Fund Certificates involve risks (market risk, inflation risk, interest rate risk, exchange rate risk, market price volatility risk, regulatory risk, strategic risk, investment restriction risk, valuation risk , payment risk, liquidity risk, conflict of interest risk, force majeure risk), including the possible loss of the principal amount invested, and are not obligations of, deposits in, or guaranteed or insured by UOBAM (Vietnam) or any related entity (“UOB Group”) or distributors of the Fund. To the fullest extent permitted by the applicable laws, the UOB Group may have interests in the Fund Certificates 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 and pay attention to service charges when trading Fund Certificates, which is available and may be obtained from UOBAM (Vietnam) 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 Fund Certificates, and in the event that you choose not to do so, you should consider carefully whether the Fund is suitable for you. Applications for Fund Certificates must be made on the application forms accompanying the Fund’s prospectus.