Lifebanking | Grow Your Money

How to start investing with Metrobank according to the fund's objectives

September 03, 2026

Investing with Metrobank starts with opening an investment account through the Metrobank App, exploring the available UITF options, and completing a Suitability Risk Assessment Form to help identify a fund that aligns with your risk profile. From there, you can choose a fund and begin investing based on your goals and comfort with risk.

Why consider investing with Metrobank

Whether you're a first-time investor or someone who already holds investments elsewhere — such as time deposits, real estate, or accounts with other institutions — Metrobank offers a way to access professionally managed UITFs directly through a banking relationship. This can make the process of exploring and managing investments more convenient, particularly if you're already using the Metrobank App for everyday banking.

What you can expect when opening an investment account

Opening an investment account is designed to help you get a clearer picture of your financial goals and risk appetite before you commit any money. This includes understanding the types of funds available, learning the basics of how UITFs work, and completing an assessment that helps match you to appropriate fund options.

Understanding the Suitability Risk Assessment Form

Before investing in a UITF, you'll typically be asked to complete a Suitability Risk Assessment Form. This helps identify your investor risk profile — ranging from conservative to aggressive — based on factors like your goals, time horizon, and comfort with fluctuation in the value of your investment. The results of this assessment are meant to guide you toward fund types that are more likely to align with your profile, so you can make an informed choice.

Step-by-step: Opening your investment account

Here’s how you can open your investment account with Metrobank:

Download or log in to the Metrobank App. If you're already a Metrobank customer, you can access this directly through your existing app.
Go to the UITF tab. This is where you can explore the available fund options.
Create your UITF account. This sets up your investment account within the app.
Answer the Suitability Risk Assessment Form. This helps identify which fund types may align with your risk profile.
Choose a fund and invest an amount you're comfortable with. You can start with a smaller amount and build from there over time.

What happens after you open your account

Once your account is open and you've made your first investment, your money is pooled with other investors in the fund you chose and managed according to that fund's strategy. The value of your investment, tracked through its Net Asset Value Per Unit (NAVPU), will move based on the fund's performance over time. It's worth periodically reviewing your investment to check whether it still fits your goals and risk appetite, especially as your financial situation evolves.

A few tips before you get started

Be honest when completing the Suitability Risk Assessment Form — it's designed to help you, not to qualify you for a specific product.
Start with an amount you're comfortable with, even if it's modest.
Understand that UITF values fluctuate, and returns are never guaranteed.
Consider how this investment fits with what you already have, especially if you're an experienced investor with existing holdings elsewhere.
Revisit your investment periodically.

FAQs

How do I start investing with Metrobank?

You can start by downloading or logging into the Metrobank App, going to the UITF tab, creating a UITF account, and completing a Suitability Risk Assessment Form to help identify a suitable fund.

Do I need to be an existing Metrobank customer to invest?

Yes. If you do not have an account yet, visit a Metrobank branch to open a basic savings or deposit account.

What is the Suitability Risk Assessment Form for?

It's a short assessment that helps identify your investor risk profile, which is then used to guide you toward fund types that may align with your goals and comfort with risk.

How much do I need to start investing with Metrobank?

The minimum investment amount depends on the fund you choose. For example, you can start investing in the Metro Money Market Fund with as little as PHP 1,000 or USD 100. Other funds may have different minimum investment requirements.

Can I change my fund later if my goals or risk profile change?

Yes. As your financial goals, investment horizon, or risk tolerance evolve over time, you may reassess whether your current fund remains suitable for your needs. Many investors review their investments periodically and make adjustments to align their portfolios with their changing objectives and circumstances.

Is investing with Metrobank risk-free?

No. Like all investments, UITFs carry risks, and the value of your investment may go up or down depending on market conditions. Returns are not guaranteed, and there is a possibility of losing part of your invested capital.

However, different funds have different levels of risk. Choosing a fund that aligns with your financial goals, investment horizon, and risk tolerance can help you invest more confidently and appropriately for your needs.

Ready to start investing? Download or log in to the Metrobank App. Go to the UITF tab, create your UITF account, and answer the Suitability Risk Assessment Form to help identify funds aligned with your risk profile.

For more information on Metrobank UITFs, including fund features, risks, fees, and complete disclosures, please visit the Metrobank website: https://www.metrobank.com.ph/wealth/uitf

The UITF is not a deposit and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Returns cannot be guaranteed, and historical NAVPU is for illustration of NAVPU movements/fluctuations only. When redeeming, the proceeds may be worth less than the original investment, and any losses shall be solely for the account of the client. The Trustee is not liable for any loss unless upon willful default, bad faith, or gross negligence.