One of the key players in the investment and trust industry with more than 40 years of experience, RCBC provides a wide range of products and services suitable for different types of investors. RCBC is able to add more value to its investment products and services through synergy within its different units, through solid alliances with other companies comprising the Yuchengco Group of Companies and its instinct for investment opportunities.
Risk Profile Assessment
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What is your primary objective for investing?
Recognizing that higher returns are generally associated with higher risks, you are more comfortable with investments that primarily have:
As an investor, you describe yourself as:
Which among the following instruments have you previously invested or is currently investing in?
INVESTMENT TIME FRAME & LIQUIDITY REQUIREMENT
How long do you intend to keep your funds invested?
How important is liquidity when deciding on your investment horizon?
INVESTING IN UITF
Based on your investment experience which among the following Unit Investment Trust Funds are you comfortable investing in?
Peso Denominated Funds
US Dollar Denominated Funds
How much would you be willing to invest in UITF?
DISCLOSURE STATEMENT ON RCBC UITFs
All RCBC UITFs are subject to daily marking to market for valuation purposes.
The NAVPU of a UITF product may fluctuate upwards or downwards depending on the volatility of prices of
various investment instruments in the market, including government securities and other fixed income
investments. As such, UITF is not capital protected and may not be suitable for client seeking preservation of
The trustee is not allowed to quote indicative rates of return for the UITF products.
The yield on UITF products is not guaranteed. Any income or loss shall be for the account and risk of the
Historical performance of a UITF when presented is purely for reference purposes and is not a guarantee of
UITFs are trust products and not a deposit hence not covered by PDIC.
Withdrawals prior to the lapse of the holding period shall be subject to the prescribed early withdrawal charges.
The proceeds of UITF investments shall be based on the NAVPU applicable to the date of redemption.
Payment of the UITF proceeds shall be made on the prescribed settlement date of the product.
The trustee is not liable for losses, except those resulting from willful default, bad faith or gross negligence.
No partial withdrawal from a Confirmation of Participation shall be allowed.
This Client Suitability Assessment (CSA) is done prior to opening of the UITF account in order to profile the risk –return orientation of the client. The results of this assessment shall be used as a basis to recommend various classes of UITFs. If the results of the CSA show that the client is not suited for the Fund/s selected, but the client nevertheless decides to invest in the Fund, the Trustee shall require the client to sign a waiver to disregard the results of the CSA. The client may consequently revise the CSA at any time given the changes in the client’s circumstances or preferences. The Trustee shall adopt a notice mechanism designed to remind the client to update the Trustee of a change in the client’s characteristics, preferences or circumstances.
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