When you invest with UTOF, you will be issued with “units” for your subscription amount at the prevailing entry price.

UTOF is regulated by the Reserve Bank of Fiji.

The shareholders in Unit Trust of Fiji (Management) Limited are Ministry of Public Enterprises and Ministry of Economy. UTOFML is a State-Owned Enterprise operated under Public Enterprises Act, Financial Management Act and Companies Act 2015.

The Income Fund only provides competitive tax-free dividend income to unit holders and the unit holders’ capital is preserved since the unit prices are fixed at a par value of $1.00 per unit (entry and exit). The Income & Growth Fund provides tax-free dividend income to unit holders and potential capital growth, which is directly dependent on the performance of the investment portfolio. The tax-free dividend is applicable to all UTOF investors (residents and non-residents). 

The cash management holding fund is a non-interest bearing facility issued to the unitholders to manage transactions related to residual balance from unit sales, dividends, withdrawals.

Yes, the Income Fund has four investment plans known as “Children Investment Plan”, “Income Plus Plan” and “Farmers Investment Plan” whilst the Income & Growth Fund has three investment plans namely “Fijian Investment Plan” and “Global Investment Plan”. Both Funds have a new Employee Investment Plan that is available to employees under a Memorandum of Understanding (MOU) between UTOF and the Employer. This is part of a national incentive to empower working Fijians to save and invest for their future. For more information, please contact our customer relations office.

The Manager may develop new investment plans during the term of this Prospectus.

Income Fund 

· Children Investment Plan  – 10 units (F$10)

· Income Plus Plan  – 50 units (F$50)

· Farmers Investment Plan  – 50 units (F$50)

· Employee Investment Plan  – Nil under EIS

Income & Growth Fund 

· Fijian Investment Plan  - 50 units

· Global Investment Plan  – 200 units

· Employee Investment Plan  – Nil under EIS

There is no restriction on the age of any investor/unit holder in fact UTOF can accommodate any investor irrespective of age based on the unit holder’s investment objective. 

The Income Fund is for investors opting for capital preservation and to earn competitive “tax-free” 

dividend income whereas the Income & Growth Fund is meant for unit holders who opt for “tax-free” dividend income plus potential capital growth. 

 Dividends are paid out twice in a year, the interim and final dividend payment dates are 15th July and 15th January respectively 

The benefits of investing with UTOF are: 

· Tax-free dividend

· Capital gain (applicable to IGF)

· Greater diversification (applicable to IGF)

· Professional management 

· Liquidity 

· Affordability

· Risk management

The risks of investing with UTOF are:

· Market risk

· Liquidity risk 

· Interest rate risk

· Foreign currency or foreign exchange risk 

· Concentration risk 

· Company or security risk 

· Withdrawal risk