Unit Trust?
When you purchase a VM Wealth Unit Trust, you get access to a range of assets in each fund. We remove the need to research and manage individual investments. It’s all done for you. We make it easy to build a more diversified portfolio that matches your goals. Whether it’s accelerated growth or long-term wealth preservation, we have a fund for you.
- A diverse range of financial assets
- An increase in the unit price resulting in a high potential for capital gains
- High liquidity giving you easy access to your money when you want or need it
- Simple to understand with easy tracking of your returns
- Potentially higher returns compared to Repo Investments and Deposit Accounts
- An experienced team of Professional Fund Managers will provide expert management of the Unit Trust Portfolios
What is the VM Wealth Unit Trust?
The VM Wealth Management Unit Trust is a collective investment scheme that pools funds from many investors and invests them in professionally managed portfolios across fixed income, equities, real estate, and money market securities. It is managed by VM Wealth Management Limited and regulated by the Financial Services Commission (FSC).
Find the Unit Trust That Fits Your Goals
Compare each portfolio’s focus, risk, time horizon, minimum investment and recent performance.
JMD · Equity & Fixed Income
Since 2016
VM Wealth Classic Equity Growth
Growth potential from resilient Jamaican equities, supported by dividends and downside-conscious positioning.
Min. initial J$10,000
Min. additional J$5,000
12-month return 6.15%
Year-to-date 1.24%
Fund Size (NAV) J$1.97B
Benchmark: JSE Select Index (1.10%)
JMD · Real Estate & Fixed Income
Since 2017
VM Wealth Classic Property
Property-backed income and growth potential, with inflation resilience and active portfolio oversight.
Min. initial J$50,000
Min. additional J$10,000
12-month return 6.25%
Year-to-date 1.24%
Fund Size (NAV) J$10.92B
Benchmark: Annual inflation rate + 2% (0.73%)
JMD · Fixed Income
Since 2018
VM Wealth Classic Protector
Capital preservation and liquidity through short-term fixed-income investments.
Min. initial J$10,000
Min. additional J$5,000
12-month return 12.70%
Year-to-date 17.39%
Fund Size (NAV) J$127.18M
Benchmark: BOJ 30-Day CD Weighted Average Return (2.94%)
JMD · Fixed Income
Since 2016
VM Wealth Classic Income
Reliable JMD income from high-yield and indexed investments, focused on credit quality and capital security.
Min. initial J$50,000
Min. additional J$10,000
12-month return 3.64%
Year-to-date 3.41%
Fund Size (NAV) J$2.25B
Benchmark: 5-Year JMD GOJ Bond Return + 1% (3.79%)
USD · Equity & Fixed Income
Since 2018
VM Wealth Global Equity Growth
Aggressive risk appetite and a medium to long-term investment horizon, seeking to track developed equity markets.
Min. initial US$500
Min. additional US$100
12-month return -2.72%
Year-to-date -3.02%
Fund Size (NAV) US$0.87M
Benchmark: S&P 500 Index (9.55%)
JMD · Fixed Income, Real Estate & Equity
Since 2020
VM Wealth Goal Maximizer
For investors with a moderate risk appetite seeking to optimize medium to long-term growth and capital appreciation.
Min. initial J$10,000
Min. additional J$5,000
12-month return 0.04%
Year-to-date 0.86%
Fund Size (NAV) J$87.08M
Benchmark: W.A JSE Select/Inflation/6M WATBY (0.67%)
JMD · Fixed Income
Since 2025
VM Wealth Constant Stream
Provide a frequent and fairly predictable income stream with potential returns above money market rates.
Min. initial J$10,000
Min. additional J$1,000
12-month return N/A
Year-to-date 0.19%
Fund Size (NAV) J$186M
Benchmark: 0.67%
JMD · Fixed Income
Since 2026
VM Wealth Cash Management
Invest in short term, investment grade US$ securities with a duration of less than one year on average.
Min. initial US$500
Min. additional US$100
12-month return N/A
Year-to-date N/A
Fund Size (NAV) N/A
Returns shown are to June 30, 2026. Past performance does not guarantee future results. Investments in the Unit Trust are not deposits and are not insured by the Jamaica Deposit Insurance Corporation (JDIC).
Not sure which portfolio fits?
Speak with a Wealth Advisor about your goals, risk appetite and time horizon, or view the latest Unit Trust documents, notices and resources.
Unit Trust Resources
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
VM Investments Limited (VMIL) – Management Changes at VM Wealth Management Ltd
Frequently Asked Questions
The VM Wealth Management Unit Trust is a collective investment scheme that pools funds from many investors and invests them in professionally managed portfolios across fixed income, equities, real estate, and money market securities. It is managed by VM Wealth Management Limited and regulated by the Financial Services Commission (FSC).
A Unit Trust offers:
- Professional investment management.
- Diversification across multiple investments and asset classes.
- Access to investment opportunities that may not be easily available to individual investors.
- Potential for income generation and long-term capital growth.
- Liquidity and flexibility to invest and redeem units.
No. The value of your investment may rise or fall due to market conditions. Past performance does not guarantee future results, and investors may receive less than their original investment when redeeming units.
No. Investments in the Unit Trust are not deposits and are not insured by the Jamaica Deposit Insurance Corporation (JDIC).
Conservative Investors
- VMWealth Global Income Portfolio (USD)
- VMWealth Constant Stream Portfolio (JMD)
- VMWealth Classic Protector Portfolio (JMD)
- VM Wealth US$ Cash Management Portfolio (USD)
Moderate Investors
- VMWealth Global Income Plus Portfolio (USD)
- VMWealth Classic Income Portfolio (JMD)
- VMWealth Goal Maximizer Portfolio (JMD)
- VMWealth Classic Property Portfolio (JMD)
Growth-Oriented Investors
- VMWealth Global Income Max Portfolio (USD)
- VMWealth Classic Equity Growth Portfolio (JMD)
- VMWealth Global Equity Growth Portfolio (USD)
- VMWealth RED (Real Estate Development) Portfolio (JMD)
You can open an investment account through VM Wealth Management Limited by completing the required application forms and submitting the necessary identification and supporting documents.
USD Portfolios
- Starting from US$500.
JMD Portfolios
- Starting from J$10,000 for select portfolios.
- J$50,000 for Classic Income and Classic Property.
- J$250,000 for the RED Portfolio.
Payments may be made via:
- Wire transfer.
- Local bank transfer.
- Certified cheque.
- Lodgement at any VM branch.
Units are bought and sold using the portfolio’s Net Asset Value (NAV) per unit, which is calculated daily based on the value of the portfolio’s assets less its liabilities.
Purchase requests received by 2:30 p.m. Jamaica time on a business day are processed using that day’s NAV. Requests received after that time are processed using the next business day’s NAV.
You may submit a redemption request on any business day using the prescribed redemption process.
- Redemptions up to J$5 million (or currency equivalent) are typically paid on the processing day.
- Redemptions above J$5 million are typically settled within three business days after processing.
In exceptional circumstances such as market disruptions, natural disasters, financial crises, or system outages, the Manager may temporarily suspend redemptions in accordance with the Trust Deed.
The following portfolios currently carry an initial sales charge:
- Classic Equity Growth Portfolio: 2.0%
- Classic Property Portfolio: 2.0%
- Global Equity Growth Portfolio: 1.5%
- RED Portfolio: 2.0%
These charges may be waived at the Manager’s discretion.
Certain portfolios require a minimum holding period. Redemptions made before that period may attract an early redemption charge.
Examples include:
- Most growth and income portfolios: 90-day holding period with a 2% early redemption fee.
- Classic Property Portfolio: 3-year minimum holding period.
- RED Portfolio: 2-year minimum holding period.
Returns may come from:
- Interest income.
- Dividend income.
- Capital appreciation.
- Portfolio distributions.
Unless instructed otherwise, distributions are automatically reinvested into additional units, allowing investors to benefit from compound growth.
Income distributions are generally subject to applicable withholding tax under Jamaican tax law. Investors should seek independent tax advice for their specific circumstances.
Investing involves risk, including:
- Market risk.
- Inflation risk.
- Liquidity risk.
- Credit risk.
- Currency risk.
- Management risk.
Yes. The value of investments may fluctuate, and there is no guarantee that investors will receive back their original investment amount.
Yes. Investors receive transaction confirmations for purchases, redemptions, and other transactions.
Yes. Units may be transferred to another party, subject to the Trust’s transfer procedures and supporting documentation requirements.
Ownership of units may be transferred to beneficiaries upon submission of the required legal documents, such as a Grant of Probate or Letters of Administration.
Investors can access:
- Daily unit prices.
- Quarterly financial reports.
- Audited financial statements.
- Offering Circulars and investor notices.
VM Wealth Management Limited
53 Knutsford Boulevard
Kingston 5, Jamaica
Important Disclaimer
Investments in the VM Wealth Management Unit Trust are subject to market fluctuations and investment risks. Prospective investors should carefully review the Offering Circular and seek independent financial advice before making investment decisions.
