How to track your NAVPU gains in a Metrobank UITF

Understanding your UITF's performance starts with knowing how to read your fund's NAVPU.

By tracking changes in NAVPU over time, you can better assess how your investment is performing and whether you are progressing toward your financial goals.

The NAVPU published for each Metrobank UITF serves as a key indicator of your fund's value and performance. Before calculating your potential gains, it is important to understand what NAVPU represents and how it reflects the value of the fund's underlying investments.

Start with your entry NAVPU

Every UITF investment begins with an entry NAVPU, which is the NAVPU applicable on the day your subscription is processed. This value serves as the baseline for measuring your investment's performance. 

Be sure to keep a record of this figure, as it will serve as the reference point for tracking your gains or losses over time.

How to calculate your gains

Calculating your UITF returns is straightforward, but understanding what NAVPU represents helps you better appreciate how your investment is performing over time.

Return (%) = [(Current NAVPU – Entry NAVPU) ÷ Entry NAVPU] × 100 

For example, if you subscribed to a fund at a NAVPU of PHP 1.00 and the current NAVPU is PHP 1.18, your investment has generated a return of 18%. This demonstrates how changes in NAVPU reflect the performance of the fund's underlying investments relative to the price at which you entered the fund.

To gain a more meaningful view of your investment's performance, consider tracking your returns regularly, whether on a monthly, quarterly, or annual basis. Monitoring performance over time allows you to assess how the fund has navigated different market conditions rather than focusing on short-term fluctuations.

To get a quick and convenient view of a fund's historical performance, you may use the Metrobank UITF Calculator available on the Metrobank website.

Where to find updated figures

Metrobank publishes the NAVPU for all its funds on its website daily. Reviewing the Metrobank daily NAVPU once or twice a week provides enough visibility to track directional movement without prompting reactive decisions based on short-term fluctuations.

Why context matters more than daily shifts

A single day's movement rarely signals anything on its own. What you are looking for is a consistent upward trend over weeks and months. This longer view also underscores the NAVPU vs. stock price difference—in stock investing, short-term price action plays a far more active role.

Disclaimer: Unit Investment Trust Funds (UITFs) are not deposit products and are not insured by the Philippine Deposit Insurance Corporation (PDIC). They are not obligations of, nor guaranteed by, the Metrobank or its affiliates or subsidiaries. Due to the nature of the investments, returns and principal value.