ASB Dividend 2026: Rate, History & How to Invest

1. Download myASNB (App Store / Google Play) and tap Sign up. 2. Enter your details and set an email, user ID and password. 3. Verify your identity with your MyKad — ASNB says verification can take up to 24 hours. 4. Pick ASB as your fund and make the first investment: minimum RM10, paid by FPX from your bank. You must be a Malaysian Bumiputera aged 18+ (see eligibility below). Under-18s need a parent/guardian who is an ASNB unitholder to open an Akaun Remaja with the child's birth certificate or MyKid plus the guardian's MyKad.

Since late 2026 a Maybank customer with no ASNB account can open one in MAE: Apply → Investment → ASNB Account (or Accounts → Wealth → ASNB Accounts). Minimum RM10, account must be in your own name, and you have to make the first investment within a year or it is closed. Maybank charges RM1 per fixed-price transaction (plus 8% SST on the fee, not on your money). You cannot withdraw inside MAE — that is over the counter.

Search ASNB in the TNG eWallet, tap the ASNB tile and follow the prompts — linking an existing account takes about a minute. From RM10, RM1 service fee per fixed-price fund transaction, and it supports Auto Labur weekly or monthly debits. Bumiputera-only funds (ASB, ASB 2, ASB 3 Didik) are gated by your MyKad details.

Bring your MyKad to any of ASNB's 32 branches or 2,700+ agents: Maybank, CIMB Bank, RHB Bank, Bank Islam, Affin Bank, AmBank, Alliance Bank, Bank Muamalat, BSN, Hong Leong Bank, Pos Malaysia. Counters handle everything the app does plus large or full withdrawals and estate matters. Book a branch appointment on asnb.com.my first if you can.

Portfolio → ASB → Add investment, enter the amount (minimum RM1 after your first RM10) and pay via FPX with your own bank account. Fixed-price funds like ASB are priced at RM1.00, so RM500 buys 500 units. Your balance updates in the app; the money starts counting toward that month's minimum balance from the day it lands.

ASNB's recurring-investment feature: choose an amount and a monthly debit date and it buys ASB units automatically from your bank account (weekly or monthly plans in TNG eWallet). Because ASB pays on each month's minimum balance, a debit early in the month earns for that whole month. Minimums have varied by platform and campaign (RM30–RM100), so check the current figure in-app.

Link your ASNB account once, then Accounts → Wealth → ASNB Accounts → Top Up Fund, or Transfer → ASNB tab. Minimum RM1; RM1 fee per transaction (+SST). Maybank also sells ASB at its ATMs and branches.

Most agent banks let existing ASNB unitholders top up online: CIMB from RM1 per transaction (your daily Clicks limit applies), RHB via RHB Now, and all 11 agents over the counter. Pos Malaysia counters also accept ASB deposits — handy outside the cities.

ASB stops transactions for the last few business days of December (27–31 Dec in 2025) while PNB computes the distribution. Money deposited in the last days of December earns almost nothing for that year anyway — a top-up on 2 January counts for the full next year.

Portfolio → ASB → Redeem sends money to the bank account registered with ASNB (your own account only — no third-party, joint or e-wallet accounts). Minimum RM100 per request; online redemptions are capped per calendar month across all your ASNB funds (reported at RM5,000 a month from March 2026, up from RM2,000 — confirm the current cap in-app). Funds usually arrive the next working day; weekend requests process on Monday.

ASNB branches, agent banks and Pos Malaysia counters handle larger or full withdrawals with your MyKad. ASNB's cut-off is 4.00 pm on a business day; requests after that are processed the next business day. The fund documents allow up to 7 business days to pay, but ASNB lists repurchase payment as on-the-spot for ASB. There is no repurchase charge.

A child's account can only be redeemed from age 12, up to 200 units a week; the units convert to an adult account at 18. Guardians manage the account until then.

Akaun Dewasa: Malaysian Bumiputera aged 18+. ASNB also admits Malaysians aged 18+ of Siamese/Thai descent, Portuguese/Eurasian descent, and non-Bumiputera Muslim converts. Akaun Remaja: under-18s, opened by an eligible guardian. Non-Bumiputera Malaysians use ASM, ASM 2 Wawasan or ASM 3 instead (same fixed RM1.00 price).

You can put in up to 300,000 units (RM300,000) per account type. Reinvested distributions and inherited units can take the balance above the cap. For more room, ASB 2 is a separate fund with its own 300,000-unit limit (FY ends 31 March; it paid 5.50 sen for FY2026).

PNB pays on the average of your 12 monthly minimum balances. Each month's figure is the lowest balance held at any point that month, so a withdrawal — even if you redeposit a week later — lowers that month's number. Income + bonus (and any special bonus, which applies to the first 30,000 units only) is credited as new units on 1 January. There is no partial-year pro-rating beyond this averaging, which is why January deposits beat December ones.

Sales charge: None. Repurchase charge: None. The fund itself bears an annual management fee of 0.35% (the deed allows up to 1%) and a trustee fee of RM1,000,000 a year, paid by the fund — both already reflected in the distribution you receive. Agent banks and TNG eWallet charge RM1 per fixed-price transaction; myASNB and ASNB counters do not.

No. ASB is a fixed-price fund — the RM1.00 unit price does not move — but ASNB's own Product Highlights Sheet states it is not capital-guaranteed or capital-protected, and the distribution rate depends on realised gains, so it can fall (it dropped from 9.00 sen in 2007 to 5.00 sen in 2020–21). It is also not PIDM-insured. In practice no year since launch in 1990 has paid nothing, and it is benchmarked against the Maybank 12-month fixed deposit rate.

Distributions are not taxed in the hands of individual unitholders. ASB savings are zakatable: ASNB's guidance uses the al-Mustaghallat method (zakat on the income distributed — 2.5% for a Hijri year, about 2.58% for a Gregorian year — once you are above nisab), and PNB announced a khultah collective-zakat option from 2026 where ASNB deducts and pays zakat on behalf of opted-in Muslim unitholders. Check the zakat tool in myASNB or your state zakat body.