2025 Unit Linked Investment Performance: Money Market Sees Lowest Returns
Executive Summary
Key insights and market outlook
In 2025, unit linked investments linked to money markets recorded the lowest average returns of 4.24% compared to other types. Stock-based unit linked investments led with 12.09% average returns, followed by mixed investments at 9.92%, and fixed income at 7.32%. Despite being the lowest in 2025, money market unit linked performance improved from 2024 when it recorded 3.06% average returns.
Deep Dive Analysis
2025 Unit Linked Investment Performance Analysis
Lowest Returns in Money Market Category
The year 2025 saw a significant divergence in the performance of various unit linked investment categories. According to data from Infovesta, investments linked to money markets recorded the lowest average return of 4.24% year-to-date through December 2025. This performance is particularly notable when compared to other categories.
Comparative Performance Across Categories
- Stock-based unit linked investments led the pack with an average return of 12.09%
- Mixed investment unit linked products followed with average returns of 9.92%
- Fixed income unit linked investments recorded 7.32% average returns
- Money market unit linked investments trailed with 4.24% average returns
Year-over-Year Performance Analysis
Interestingly, despite having the lowest returns in 2025, money market unit linked investments showed improvement from the previous year. In 2024, this category had recorded an average return of 3.06%, indicating a positive growth trajectory.
Market Implications
The varying performance across different unit linked categories reflects changing investor preferences and market conditions throughout 2025. The shift in performance rankings between 2024 and 2025 suggests evolving market dynamics that investors need to consider when making investment decisions.
Source References
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Unit Linked Performance Review 2025
Investment Category Comparison