The BPI Short Term Fund is a low-risk peso fund designed to keep your money stable and accessible while earning a bit more than a typical savings account, useful for cash you may need before long. Here's what it holds, who it suits, and how to invest through DragonFi.
It's a UITF (Unit Investment Trust Fund, a pooled fund run by a trust company, where your money is invested alongside other investors') that aims to provide liquidity and stable income while keeping your capital steady. It invests in short-term, lower-risk instruments rather than stocks, which keeps it calm and easy to access. It is managed by BPI Wealth.
What does it invest in?
The fund invests in a diversified portfolio of primarily short-term fixed income investments, including time deposits and money market instruments. Its performance is measured against the 91-day Philippine Treasury Bill. These short-dated, high-quality holdings keep the fund stable and liquid.
Who is this fund for?
This fund may suit you if you:
- Want a safe place to park cash you might need in the near future
- Prefer stability and easy access over chasing high returns
- Are building an emergency fund or saving for a short-term goal
- Want to earn more than a regular savings account without taking on stock-market risk
It's less suitable if you're investing for long-term growth, since its returns are modest by design.
What's the risk level?
This is a conservative-risk fund that sits at the calmer end of the scale. Because it holds short-term, high-quality instruments, large swings are unlikely, though the value can still move slightly and isn't guaranteed.
Can I hold this in a PERA or Regular account?
This fund is available through a Regular DragonFi account. It is not one of DragonFi's PERA-eligible funds.
What are the fees?
Like all UITFs, this fund charges a 0.5% per annum trust fee, already deducted from the fund before the daily price is calculated, so you don't pay it separately. Short-term funds typically have among the lowest fees. Fees can change over time, so for the exact current trust fee, check this fund's page in the DragonFi app.
What's the minimum investment?
You can start investing in this fund for as low as ₱1,000 on DragonFi, and you can add to it any time.
How do I invest in or add to this fund?
You can invest in or top up this fund directly in the DragonFi app in a few taps. For the full steps, the daily cut-off time, and how your buy-in price (NAVPU) is set, see the "How to invest in a fund" article by DragonFi.
How do I sell or redeem it?
You can redeem some or all of your investment in the app whenever you like, with no fixed lock-in period. As a short-term fund, it settles quickly. For the exact timeline, see the "How to sell or redeem a fund" article by DragonFi.
How long does it take to receive the money after I sell?
It takes 1 to 2 business days for the money to be credited to your account after selling the fund.
Where do I see the current NAVPU and returns?
The live price (NAVPU) and the latest returns are always shown on this fund's page in the DragonFi app. We don't list those figures here because they change every day, so the app is your most up-to-date source.
Good to know
- A step up from savings. It aims to earn a bit more than a deposit while staying stable and accessible.
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Stable, not guaranteed. It is still an investment, not a deposit, so the value can move slightly.
Access the fund page here:
BPI Short Term Fund | DragonFi
This fund is not a deposit and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Returns are not guaranteed. The fund's price (NAVPU) can rise and fall, so you may get back less than you invested, and past performance is not indicative of future results.