Details
12-month NAV return
42.69%
Trailing 12 months
NAV / fund size
TZS 1,713.918
TZS 608.36B
Data as of 2026-10-12
Liquidity
T+10
Repurchase processed within 10 working days
Minimum investment
No fixed cash minimum: UTT AMIS states the minimum subscription is the sale value of 10 units at the prevailing NAV.
What this fund invests in
Listed equities up to 50% of total investments; the balance in government instruments, corporate bonds and deposits
Source: offer document p30
Performance
Historical NAV change for the periods shown. Distributions may not be included; read the fund methodology before comparing income-paying funds.
- 1 week
- 2026-10-02 → 2026-10-09
- -0.06%
- 1 month
- 2026-09-09 → 2026-10-09
- +0.4%
- 3 months
- 2026-07-10 → 2026-10-09
- +6.82%
- YTD
- 2025-12-31 → 2026-10-09
- +35.06%
- 1 year
- 2025-10-09 → 2026-10-09
- +42.69%
A dash means this period is unavailable; it is not a zero return.
Keep exploring
Balanced Funds in Tanzania →UTT Umoja vs iGrowth →Risks & terms
- Redemption timing
- Stated inconsistently within the same document: Section 21.3(vi) says repurchase proceeds are dispatched within 5 working days of a duly completed application, while Section 21.4(vi) says not later than the 10th working day after receipt. Both are recorded rather than one being silently dropped.
- Income distribution
- Umoja Fund originally offered an income distribution option, but a resolution at the December 2006 Annual General Meeting converted the scheme from an income scheme to a growth scheme; it currently offers only the Growth Option (no regular payments, capital appreciation via NAV growth). The scheme may re-introduce income distribution in future, subject to CMSA approval and an Extraordinary General Meeting.
- Key risks
- Equity performance risk; Corporate/local-authority default risk; Interest rate risk; Foreign exchange risk; DSE liquidity risk; Tax-regime risk; Unforeseen factors
- Custodian
- CRDB Bank Plc
- Front/Exit Load
- 1% service charge deducted from NAV on repurchase; no entry load
- ESG Policy
- Unverified
- Notes unverified
- First collective investment scheme; diversified growth
Official sources
Each figure uses its own latest available date. Management fees are not necessarily total costs. Open the full profile for risks, qualifications and source documents; historical results are not a forecast.
What the offer document says
The terms below come from Umoja Unit Trust Scheme's own offer document — the minimums, loads, lock-ins and settlement windows that decide what this fund actually costs you to enter and leave.
- Structure
- Open-ended balanced unit trust scheme
- Objective
- Umoja Fund was a pioneer empowerment scheme that gave investors an opportunity to invest, take a stake in privatization, and participate in the capital markets. It provides opportunities for both low and high income investors, individuals and corporate bodies alike, to obtain a return on investment. The main objective is to empower participating investors through wide ownership of its units and encourage a culture of savings in financial assets.
- Asset allocation
- Listed ordinary shares (DSE or other exchanges) (up to 50% of total investments); Government instruments, corporate bonds, and deposit accounts (the balance)
- Entry load
- Nil (a historical 30% Government discount applied only during the 2005 Initial Sale, no longer applicable)
- Exit load
- 1% service charge deducted from NAV to arrive at the repurchase price, subject to a minimum of TZS 100 per transaction
- Management fee
- 1.80% of NAV per annum
- Tax treatment
- Income from dividends of listed companies whose shares are held by the scheme is taxable at 5% (listed) and 10% (unlisted) as final tax; Withholding tax on interest is 10%; Income distribution (if any) in the hands of investors is tax exempt
Checked against the fund's own offer document, page by page (reviewed 2026-08-31). Read the offer document