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Trust Products

EMPLOYEE BENEFIT TRUST

Provident Fund (Defined Contribution Plan) - a Plan established and maintained by an employer who is committed to contribute a fixed percentage (%) of the employee's compensation regardless of whether the employees choose to contribute themselves or not


Pension Fund (Defined Benefit Plan) -a Plan established and maintained by an employer to provide for the payment of definitely determined benefits to their employees totally and immediately after retirement.

FUND MANAGEMENT

  1. Corporate and Individual Fund Management - Provides professional fund management services to people with Peso or USD investible funds. The Fund Management team of a Trust operator is composed of professionals dedicated to analyzing and monitoring the investment climate ensuring the highest possible yields for the Funds managed.

  2. Unit Investment Trust Fund - are open-ended pooled trust funds in any acceptable currency, operated by a trust entity and made available by participation established, administered and maintained by a Trust entity subject to BSP approval

    • AUB Peso Investment Fund - The Fund is a peso denominated bond fund suited for clients who are willing to absorb principal risk associated with changing market conditions. The fixed income investments of the portfolio shall provide for a steady stream of income. The investment objective of the Fund is to achieve the best rate of return by investing in a diversified portfolio of fixed income securities. The Fund aims to achieve a rate of return equivalent to the rolling yield of the 5-yr PDST-R2 net of fees. The portfolio duration of the Fund's investments shall not exceed five (5) years.

      Suitable with moderate risk appetite type of investors.

    • AUB Gold Dollar Fund - The Fund is a dollar denominated bond fund suited for clients who are willing to absorb principal risk associated with changing market conditions. The investment objective of the Fund is to achieve the best rate of return by investing in a diversified portfolio of fixed income securities. The Fund aims to achieve a rate of return equivalent to the rolling yield of the 5-year US Treasury Notes net of fees. The portfolio duration of the Fund's investments shall not exceed five (5) years.

      Suitable with moderate risk appetite type of investors.

    • AUB Equity Investment Fund - AUB Equity Investment Fund (AUB EIF) is a peso denominated equity fund wherein funds of individual investors are pooled together and invested in blue-chips and major second line issues included in the PSEi. Investment risk is evidently minimized as the Fund has diversified investments only in fundamentally sound companies. Portion of the Fund shall likewise be invested in fixed income investments, including marketable securities traded in an organized exchange, which shall provide steady stream of income.

    • AUB Peso Money Market Fund - AUB Peso Money Market Fund (AUB MMF) is a peso denominated unit trust fund where individual investments are pooled together and invested in low-risk fixed income securities in the investment market. The investment objective of the Fund is to achieve the best rate of return by investing in a diversified portfolio of short-term fixed income securities with a modified portfolio duration of not more than one (1) year.

      Suitable with moderate risk appetite type of investors.

ESTATE PLANNING

  1. Guardianship - To ensure proper management of funds of the Beneficiary while the latter is considered to be not in the capacity to do so.
  2. Testimonial Trust - To ensure proper management and transfer of assets to a beneficiary after the Trustees lifetime.
  3. AUB Gold Chest Plan - A Trust Account you could use to fund your children's future educational needs and more.
  4. Living Trust - To ensure proper management and transfer of assets to a beneficiary during the Trustees' lifetime.

SPECIAL CORPORATE SERVICES

Escrow Agency - A system of document transfer in which a deed, bond, or funds are delivered to a third person to hold until all conditions in a contract are fulfilled.


Mortgage Trust Indenture - A facility in which the Trustee shall hold certain assets in behalf of a borrower (Trustor) under mortgage to cover certain loans. This facility allows for the borrower to offer a pool of collaterals to various creditors.


Paying Agency - A service wherein the Trustee shall coordinate and process payments in behalf of the parties in a loan facility.


Collateral Agency - A service in which the Trustee shall hold certain assets in behalf of the parties in a loan facility. The assets may vary from TCTs, Stock certificates and other assets assigned as collateral to the loan.