Wealth Insights

Portfolio Breakdown

A low-risk, conservative portfolio designed for liquidity and stability

Designed for conservative investors prioritizing liquidity and stability. This portfolio invests in deposits, short-term securities, and money market instruments with potential for higher long-term returns.

Money Market

Portfolio Breakdown

A low-risk, conservative portfolio designed for liquidity and stability

Designed for conservative investors prioritizing liquidity and stability. This portfolio invests in deposits, short-term securities, and money market instruments with potential for higher long-term returns.

Money Market

Metro$ Money Market Fund: 100.00%

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Things to know

Who is eligible to avail of the portfolio?

You can invest in the Conservative 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 "Conservative" risk profile

Looking to invest in low-risk, highly liquid instruments that provide easy access to funds for immediate cash needs.

Performance and Allocation Exposure

Portfolio tactical asset allocation remains unchanged at 52.5% Fixed Income and 47.5% Equities, maintaining a balanced stance between income generation and selective growth participation.

On the Fixed Income side, adjustments continue to emphasize shorter-duration positioning, with preference into the belly and front end of the curve. This allows the portfolio to manage volatility amid rising yield pressures while enhancing carry and keeping duration broadly aligned with benchmark levels.

Performance and Allocation

Performance - Quarter on Quarter (QoQ)

Expert Insights

Fund Manger Point of View

Q4 2025

The strategy shifts to an opportunistic stance as we see value in extending duration, supported by a well-anchored inflation outlook and the BSP's easing bias.

We view the 7-15 year part of the curve as attractive, offering favorable yield pickup while positioning ahead of further monetary policy easing. development of Tencent against international peers.

Equities remain range-bound amid the absence of strong foreign inflows and macros drivers. could weigh on the long-term AI

However, selective stock picking continues to drive value, with a focus on names that can benefit from resilient domestic consumption and fiscal spending.

Alibaba does not control Alipay but relies on Alipay to conduct substantially all the payment processing and escrow services on its marketplaces.

US-China tension may escalate under the new Trump Administration, including additional chip sanctions, which may result in higher volatility. Failing to secure a stable supply of advanced AI chips and/(or) find domestic alternatives could weigh on the long-term AI development of Tencent against international peers.

US-China tension may escalate under the new Trump Administration, including additional chip sanctions, which may result in higher volatility. Failing to secure a stable supply of advanced AI chips and/(or) find domestic alternatives.

The strategy shifts to an opportunistic stance as we see value in extending duration, supported by a well-anchored inflation outlook and the BSP's easing bias.

We view the 7-15 year part of the curve as attractive, offering favorable yield pickup while positioning ahead of further monetary policy easing. development of Tencent against international peers.

Equities remain range-bound amid the absence of strong foreign inflows and macros drivers. could weigh on the long-term AI

However, selective stock picking continues to drive value, with a focus on names that can benefit from resilient domestic consumption and fiscal spending.

Alibaba does not control Alipay but relies on Alipay to conduct substantially all the payment processing and escrow services on its marketplaces.

US-China tension may escalate under the new Trump Administration, including additional chip sanctions, which may result in higher volatility. Failing to secure a stable supply of advanced AI chips and/(or) find domestic alternatives could weigh on the long-term AI development of Tencent against international peers.

US-China tension may escalate under the new Trump Administration, including additional chip sanctions, which may result in higher volatility. Failing to secure a stable supply of advanced AI chips and/(or) find domestic alternatives.

Investment Alternatives

Other Investment Options

Low-Risk Assets

Time Deposit

U.S. Treasury Bills

U.S. Treasury Notes

U.S. Treasury Bonds

Retail Dollar Bonds (RDBs)

Things to Know

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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Model Portfolio Alternatives

Read through other alternative model portfolios to discover strategies that better align with your investment goals. Considering an investment that does not match your risk profile may involve higher risks. Make sure it fits your financial goals before making decisions.