Your fund investments are held in trust by the fund's trustee, separately from DragonFi. This is an important safeguard worth understanding. Here's how it works.
Who actually holds my fund investment?
It helps to know the roles. DragonFi is the platform you use to access and manage funds, but it is not where the fund's assets sit. Each UITF is run by a trustee, a licensed trust corporation such as the trust entity of BPI, Manulife, or EastWest, and the fund's assets are held in trust by that trustee on behalf of all investors.
Why does that matter?
Because the fund's assets are held in trust and kept separate, they are not part of DragonFi's own assets. Your investment is recorded as your units in the fund held with the trustee. This separation is a core protection in how UITFs are structured and regulated.
What if something happened to DragonFi?
Since your fund investment is held with the trustee rather than on DragonFi's own books, it does not simply disappear if something were to happen to the platform. Both the trustees and DragonFi operate under the oversight of Philippine regulators, including the Bangko Sentral ng Pilipinas and the Securities and Exchange Commission. For the exact procedures that would apply in any such scenario, DragonFi's official support channels are the best source.
Good to know
This protection is about the structure of where your assets are held; it is separate from investment risk. Your money is held safely in trust, but the value of your units still rises and falls with the market, and is not insured or guaranteed. The two are different things: one is about custody, the other about market performance.