The RCBC R25 Dividend Equity Fund uses an algorithm or formula to invest in stocks of the 25 largest and most actively traded companies with high historical dividend yield listed in the Philippine Stock Exchange (PSE). Starting with just PHP 5,000, your funds will be managed by the Bank’s professional fund managers while you sit back and relax.

  • What You're In For:

    • Minimum Initial Investment

      PHP 5,000
    • Minimum Additional Investment

      PHP 1,000
    • Minimum Maintaining Balance

      PHP 5,000
    • Minimum Holding Period

    • Trust Fee

      1.00% p.a.
    • Redemption Settlement Date

      2 banking days from redemption date (T+2)
    • Transaction Cut-off Time

      11:00am of any banking day
  • Is this product for you?

    If the following are applicable to you, RCBC R25 Dividend Equity Fund may be the product for you.

    • You want to achieve a long-term goal such as building up your retirement fund or your child's college education
    • You intend to keep your funds invested for more than 3 years
    • You are an experienced investor. You understand that higher rewards come with higher risks

    Year-on-Year Return


  • Higher yield potential

    Historically, average returns from the RCBC UITFs have performed better and favorably over traditional deposit and investment products.

  • Access to high-yielding investments

    The pooling feature of the RCBC UITFs allows the fund managers to negotiate for higher rates, better prices, lower transaction costs for the Fund due to the size of its investments.

  • Diversification

    Through any of the RCBC UITFs, you get to participate in all the investments of the Fund, thereby spreading out the risk involved over a wider range of investment outlets.

  • Affordability

    You can invest for as low as
    PHP 5,000 for peso investments or USD 200 for dollar investments.

  • Accessibility

    You may invest in the RCBC UITFs online through RCBC Digital website or through any of the RCBC business centers strategically located nationwide.

  • Convenience

    The RCBC UITFs may be redeemed daily during banking hours up to 11:00 AM. Some of our UITFs do not have minimum holding period.


Which UITF product is for you?


How to invest in UITFs online

The RCBC UITF Online Facility (“UITF Online”) is a module in RCBC Digital that allows individual investors to enroll new or existing UITF accounts online and access them 24/7 without having to go to an RCBC branch to physically submit the required documents. RCBC accountholders who have an active RCBC Digital account can access UITF online.

  • Step 1. Log in to with your account and click ‘Invest in UITF’. Not an RCBC accountholder? Enroll here.

  • Step 2. Choose whether you wish to open a new UITF account or enroll existing UITF Account.

  • Step 3. Read and understand the terms and conditions; confirm client information then click ‘Submit’.

  • Step 4.

    For new clients Accomplish the Customer Suitability Assessment (CSA) and select preferred RCBC UITF.

    For existing clients Confirm your CSA result and select preferred RCBC UITF then click 'Submit'.

  • Step 5. System will notify you that the account enrollment was successful. To start investing, you will automatically be re-directed to the ‘Add Investment’ page.

Ready to grow your money with RCBC?

RCBC Trust is regulated by the Bangko Sentral ng Pilipinas. For more information, inquiries or complaints,
you may call us at: 894-9870 or 894-9514 or email us at You may also file
your complaints at BSP Financial Consumer Department at (632) 708-7087 or