A moderate risk portfolio designed for steady income and growth potential
Portfolio Breakdown
Designed for moderate investors who want to minimize the effect of market fluctuations by taking an income-oriented approach with some potential for capital appreciation.
Fixed Income
Portfolio Breakdown
Designed for moderate investors who want to minimize the effect of market fluctuations by taking an income-oriented approach with some potential for capital appreciation.
Fixed Income
Metro Max-5 Bond Fund: 49.00%
Open link in a new tabMetro Corporate Bond Fund: 25.00%
Open link in a new tabMetro Unit Paying Fund: 25.00%
Open link in a new tabMoney Market
Metro Money Market Fund: 1.00%
Open link in a new tabThings to know
You can invest in the Moderate Risk Portfolio if you are:
a Metrobank client with an active Settlement Account, where investment transactions are seamlessly debited and credited.
a Metrobank client with a “Moderate” risk profile
Looking to invest for steady returns and growth potential through diversified bond exposure poised to deliver regular income and price appreciation.
Expert Insights
Q1 2026
For Fixed Income, local yields showed a mixed movement across the curve, with declines at the short end and upward pressure across medium-term tenors. Early-month optimism, supported by easing geopolitical tensions and increased investor interest following the Philippines’ inclusion in a JPMorgan bond index effective January 2027, led to buying activity particularly in shorter-dated securities. However, sentiment turned more cautious toward month-end as inflation accelerated sharply and the BSP raised policy rates by 25 basis points to 4.50%, accompanied by a more hawkish forward guidance. Portfolio positioning remains slightly underweight duration versus benchmark, with a continued bias toward shorter-dated securities to manage volatility and capture carry amid evolving rate expectations.
For Fixed Income, local yields showed a mixed movement across the curve, with declines at the short end and upward pressure across medium-term tenors. Early-month optimism, supported by easing geopolitical tensions and increased investor interest following the Philippines’ inclusion in a JPMorgan bond index effective January 2027, led to buying activity particularly in shorter-dated securities. However, sentiment turned more cautious toward month-end as inflation accelerated sharply and the BSP raised policy rates by 25 basis points to 4.50%, accompanied by a more hawkish forward guidance. Portfolio positioning remains slightly underweight duration versus benchmark, with a continued bias toward shorter-dated securities to manage volatility and capture carry amid evolving rate expectations.
Performance and Allocation Exposure
On the Fixed Income side, we reduced exposure to Peso Money Market Funds and increased allocation to Peso Max-5 Funds. This adjustment reflects the deployment of excess cash into higher-yielding short- to medium-term instruments, allowing the portfolio to enhance carry while maintaining a controlled duration profile amid persistent rate volatility.
Investment Alternatives
Money Market
Time Deposits
Treasury Bills (T-Bills)
Fixed Income Securities
Retail Treasury Bonds (RTBs)
Fixed Rate Treasury Bonds (FXTNs)
Corporate Bonds
Strategic Asset Allocation is constructed on the basis of long term asset class views with targets to maintain a set combination of asset classes
Tactical Asset Allocation refers to an active call that shifts asset allocations in a portfolio to take advantage of market trends or economic conditions.
This portfolio’s TAA shifts some of its share to fixed income to allow you to take advantage of a short term rally in bonds. You can work back to neutral until the next short term catalyst favors either bonds or stocks.
| Title | Fixed Income | Equity |
|---|---|---|
| Strategic Set Allocation | 70% | 30% |
| Tactical Set Allocation | 75% | 25% |
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