• Risk Level: Conservative
• People who have invested in this fund, also invest in: US$ Income Fund

Disclaimer: An investor should consider a Fund's investment objectives, risks, charges and expenses carefully before investing. This and other important information can be found in the Fund's prospectus. Obtain a prospectus from our website or at any of our UTC Investment Centres and read carefully before investing.

Price of TT$ Income Fund Units

Each unit in the Income Fund costs TT$20.00. This price never changes. To open an account in the TT$ Income Fund you must start with a minimum purchase of five (5) units for TT$100.00

Daily Income

You have the potential to earn the highest income available (pending market conditions) while having access to your money anytime you need it. Once earned, income is compounded daily and credited to your account quarterly.

No Withdrawal Penalty

All or part of the funds in your account can be withdrawn at anytime without penalty.

Quarterly Distributions (In the Income Fund)

• September 1 - November 30
• December 1 - February 28
• March 1 - May 31
• June 1 - August 31

Rate of the Income Fund

At the start of every month an estimated yield is quoted. This quoted estimated yield is intended to reflect the minimum return the fund is expected to earn for the period. In the event the portfolio earns higher than was quoted, the investor will receive that higher rate. The quoted yield, however, can fluctuate from time to time and there is no guarantee the quoted yield will be realized. The rate is published daily on the UTC website and in the Trinidad and Tobago print media so you can always know your yield.

Once the rate has been determined dividend income will be calculated and credited to the investor's account at the end of the quarter.

Withdrawals

All or part of your units in your account can be withdrawn at any time during the year. Interest earned for the period of retention is credited to your account at the end of the particular quarter. There is no minimum holding period. However, if payment is made by cheque, the cheque must be cleared before any withdrawals can be made from the account.

Interest compounded daily and credited quarterly	Faster growth
No charges or penalties on withdrawal	No surprises
Withdrawals & deposits at any time	Investing at your own pace
100% access	Available in cases of emergency
VISA Electron Card	No worries about carrying cash
Unchanging $20 per unit	Safety of capital
$100 to start	Everyone has an opportunity to invest