SG9999001382
UOBAM United SGD Fund

  • Fixed income
  • Investment grade
  • Short duration
  • Asia
  • SGD Cash, CPF OA, CPF SA, SRS
  • Accumulating
Invest with
SGD Cash, CPF OA, CPF SA, SRS
Payout type
Accumulating
Risk rating
2
About this fund
Description
The Fund seeks to achieve a yield enhancement over Singapore dollar deposits by investing substantially all its assets in money market and short term interest bearing debt instruments and bank deposits.
Key information
Annual report
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Product Highlight Sheet
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Prospectus
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Factsheet
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Our perspective
Why we think this fund is best-in-class
product
Product
Invests primarily in money market instruments, short-term interest-bearing debt, and bank deposits with the objective of achieving a yield enhancement over Singapore dollar deposits. Maintains a high-quality portfolio focused on Investment Grade bonds (typically BBB+ average rating) to preserve capital
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people
People
Managed by Lead Portfolio Manager Joyce Tan (Co-Head of Fixed Income Asia & Singapore), who has managed the fund since its inception in 1998 and possesses over 27 years of experience. Leverages UOB Asset Management's broader fixed income team, including dedicated credit analysts for Singapore and Asian markets.
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performance
Performance
Boasts a long track record (inception in 1998) of delivering consistent returns that typically outperform SGD deposits. Historically exhibits low volatility and effective downside mitigation compared to broader bond and equity markets, attributed to its short duration focus
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process
Process
Utilizes a "laddered" investment strategy by investing in bonds with different maturities across a three-year timeframe, allowing the fund to smooth out interest rate fluctuations and reinvest maturing capital effectively. Employs a bottom-up selection process driven by fundamental credit analysis and relative valuation. Hedges all non-SGD exposures back to SGD and integrates ESG screening by excluding issuers with poor ESG ratings.
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cost
Cost
Endowus offers retail share class with 100% trailer fee rebated back to Endowus investors to achieve lower cost of access.
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selectionCriteria
How it fits in a portfolio
Acts as a defensive anchor within a broader portfolio, offering stability and capital preservation during periods of market stress due to its high-quality, short-duration nature. Suitable for investors with a short-to-medium investment horizon (e.g., 2 to 3 years) who are looking for a conservative fixed income allocation.
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Invest in this fund
Performance
Shows the total return of this accumulating fund, which includes dividends reinvested.
All Time
​
Total returns
All Time
92.95%
YTD
-0.00%
1 month
-0.50%
6 month
0.23%
1 year
2.49%
3 year
10.91%
5 year
9.57%
10 year
22.86%
As of Mar 2026
Distributions
This is an accumulating fund, so dividends are re-invested at the fund level.
Yield
2.77%As of Mar 2026
Risk metrics
Max drawdown
-3.85%As of Mar 2026
Volatility
1.41%As of Mar 2026
Calendar returns
YearTotalJanFebMarAprMayJunJulAugSepOctNovDec
2026-0.2%0.3%-0.5%---------
20253.6%0.2%0.6%0.2%0.2%0.4%0.5%0.3%0.5%0.3%0.2%-0.0%0.0%
20244.1%0.3%0.1%0.3%0.0%0.5%0.4%0.6%0.6%0.4%0.1%0.2%0.2%
20234.3%0.8%-0.1%0.7%0.4%0.1%-0.1%0.5%0.3%0.2%0.3%0.7%0.6%
2022-2.3%-0.5%-0.4%-1.0%-0.3%0.4%-0.4%0.2%-0.2%-0.8%-0.5%0.6%0.5%
Load more5 of 25
Top Exposures
Mizuho Fin Grp Cayman 3 Company Guar Regs 03/24 4.62.59%
Sumitomo Mitsui Financia Subordinated Regs 04/24 4.4362.40%
Misc Capital Two Labuan Company Guar Regs 04/25 3.6252.08%
China Huadian Overseas Company Guar Regs Var2.08%
Shinhan Bank Subordinated Regs 03/26 3.8752.02%
Baic Finance Inv Co Ltd Company Guar Regs 03/24 21.98%
Macquarie Bank Ltd Subordinated Regs 06/25 4.8751.98%
Goodman Hk Finance Company Guar Regs 06/24 4.3751.97%
Ntpc Ltd Sr Unsecured Regs 11/24 4.3751.83%
Starhub Ltd Sr Unsecured Regs 06/26 3.551.78%
Mas Bill Bills 03/24 0.000001.77%
Hanwha Life Insurance Subordinated Regs 02/32 Var1.66%
Bank Of East Asia Ltd Unsecured Regs 03/27 Var1.63%
Woori Bank Subordinated Regs 04/24 4.751.60%
Posco Sr Unsecured Regs 08/25 4.3751.59%
Top exposures represent up to 15 of the fund's largest exposures for each category. Allocation percentages may not sum up to 100% and can include negative values due to rounding or trading activities by the underlying fund managers, including short positions.
Fund fees
0.67%0.34% p.a.
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Fund facts
ISIN
SG9999001382
Fund house
UOBAM
Fund size
S$3.5B
As of 31 Mar 2026
Fund inception date
19 Jun 1998
Fund class currency
SGD
Fund share class
A
Oldest share class ISIN
SG9999001382
Oldest share inception date
19 Jun 1998
Pricing frequency
Daily

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