• Risk Level: Moderate (Price Fluctuations Possible)

Investors choosing this Fund also invested in: IRUA, Global Bond Fund, Growth & Income Fund, TT Dollar Income Fun

Disclaimer: It is important investors take the time to fully understand our financial products prior to investing. The information below is provided to give basic information on this product. Take the time to discuss your investments with our staff and understand all risks prior to investing. 

Potential  Investment Return

The URF has the potential to offer capital appreciation and seeks to  meet its objective by investing the Fund's assets in investment grade equities of both local and international companies and bonds and other high income securities with significant income potential.

The returns on the URF are directly linked to the returns of investments in the URF. These investments will consist primarily of equity securities (instruments that undergo value fluctuations over time). The nature of these investments is such that future returns are related to several variables that ultimately determine average returns for the period.

Net Asset Value

The URF is both value based and investment linked, allowing investors the potential to benefit from the maximum value of their investment in the fund rather than some predetermined amount using such methods as, the final pay, flat benefit or career average formulae.

The value of your investment is your unit balance multiplied by the NAV (Net Asset Value) or unit price. This price is related to the market value of the investments made by the fund.

Withdrawals from the URF

Withdrawals can be made provided that any one of the following conditions are satisfied

• Death;
• Medical or permanent disability;
• Home acquisition based on any of the following:
• 5 year membership
• 10% purchase price but not to exceed 50% of the members accumulation (one application/member)
• At any age 50 years and over or 5 years after entry whichever is greater.

All withdrawals other than the above, will be limited to the individuals' capital contributions or net asset value whichever is lower with earnings deferred to retirement age.

Options at retirement

Investors at retirement can benefit from any of the retirement options

• Full accumulation
• Lump sum plus periodic withdrawals
• Periodic withdrawals

Possibility of capital appreciation	Help in beating inflation & increasing capital
Potential for returns in the long-term	More money at retirement
Employer matching	Possibility of greater return on investment
Portability	Reaping the rewards of all of your hard work
Flexible contributions	Investing at your own pace
Tax-free	Access to the total investment
No charges or penalties on withdrawal	No surprises
$100 to start	Everyone has an opportunity to invest