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Unit

Trust

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What is Unit Trust?

A unit trust (or mutual fund) is a pooled investment managed by professional fund managers. It allows individual investors to combine their money, which is then invested to achieve optimal returns based on specific investment themes. By buying units, your money is pooled with others and invested according to the fund's objectives.

We offer a wide range of unit trust funds across various asset classes.
 

Fixed Income Funds

  • Mainly invest in: 

    • Malaysian Government Securities

    • Corporate bonds 

    • Debt instruments.

  • Provide regular income. 

  • Prices are more stable.

Money Market Funds

  • Lowest Risk compared to other funds

  • Invests in short-term:

    • Debentures​

    • Deposite

    • Money Market

Equity Funds

  • Invest in stocks of listed companies

  • Moves in-line with Bursa Saham Malaysia

Capital Guaranteed Funds

  • Limited lifespan between 3-5 years

  • Guaranteed by Guarantors

  • Licensed by financial institutions

Balanced Funds

  • High-Risk Equity & Low-Risk fixed income securities

  • Aims to provide capital growth & regular income

Islamic Unit Trust

(Syariah Funds)

  • Funds are invested based on Islamic principles

  • Doesn't invest in non-halal businiess

  • Follows the Syariah finiancial law preferred by Muslims in Malaysia

Should you Invest in Unit Trust?

One of the key benefits of unit trusts is that they require minimal money, time, or expertise.

 

You can start investing with as little as RM1,000 or even RM100 per month through some institutions, making it ideal for new investors, especially young Malaysians.

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Since professional fund managers handle your investments, you don't need to monitor markets closely. Unit trusts also offer liquidity, allowing you to buy or sell units anytime.

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In Malaysia, unit trusts are regulated by the Securities Commission Malaysia (Suruhanjaya Sekuriti Malaysia), providing a level of protection against fraud.

How to Start Investing in Unit Trust?

1

Lump-Sum Investment

Make a one-time investment to capitalize on the market immediately

2

Regular Saving Plan (RSP):

Invest regularly, typically monthly, using a dollar-cost averaging strategy

3

EPF Members Investment Scheme:

Withdraw EPF savings to invest in EPF-approved unit trust funds, subject to age-based limits

Before You Invest...

  • Ensure that you have carefully read the fund factsheet and understand what you are buying.

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  • Remember that unit trusts are not a ‘get rich quick’ scheme. No one can predict what will happen in the global markets, even professional fund managers may make mistakes. Always keep in mind that past performance is no guarantee of future returns.​

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  • It needs time to mature by investing in unit trust. However, it’s still one of the best ways to invest if you have minimal time and knowledge of investment.

Since the latest products available are more and more complicated, please contact us for a free explanation!

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