Best Unit Trust Funds in Malaysia (2026)
Ranked by what they actually returned — low-risk ASNB fixed-price funds by distribution, and market-linked funds by 5-year growth.
10 of 11 funds with Jul 2026 figures fell over the month, steepest at Eastspring Dinasti Equity Fund −15.6%. Kenanga Growth Fund held up best at +2.0%. July's AI and semiconductor selloff drove it — the KOSPI fell 22% on the month — while Malaysian equity held up as the KLCI rose 3.7%.
Sources: ASNB / PNB official income-distribution announcements (fixed-price) · fund-house factsheets (Lipper) (official factsheets · verified 1 Sep 2026, variable-price) · How we verify rates →
Risk vs reward — every option in one picture
Higher dots earned more per year · dots further right swing harder · tap any dot
Fund returns are the yearly pace implied by each fund's verified 3-year total return; swings use the Lipper 3-yr volatility factor. Fund data: fund-house factsheets (Lipper) (official factsheets · verified 1 Sep 2026). FD/ASB use the current rates shown above. Past performance — the dots move every month.
Best low-risk funds — ASNB fixed-price
ASNB (Amanah Saham Nasional Berhad) · stable RM1.00/unit · steady annual distribution · low volatility
The flagship ASNB fund — Malaysia's most popular savings fund, with a steady payout and stable RM1.00 unit price.
- Who can invest
- Bumiputera
- Minimum
- From RM10
- Unit price
- RM1.00 (fixed)
- Risk
- Low volatility
- FY2025 declared
- Dec 2025
Open via the myASNB app, or any ASNB agent bank (Maybank, CIMB, RHB, Affin…).
Open an account on myASNB →Open to every Malaysian — the same fixed RM1.00/unit price and steady annual distribution, no Bumiputera requirement.
- Who can invest
- All Malaysians
- Minimum
- From RM10
- Unit price
- RM1.00 (fixed)
- Risk
- Low volatility
- FY2026 declared
- Mar 2026
Open via the myASNB app or any ASNB agent bank.
Open an account on myASNB →Fixed-price funds hold RM1.00/unit, so each sen ≈ that % return. ASB 2 and ASM 2 Wawasan are similar fixed-price funds. Past distributions don't guarantee future ones.
Top-performing funds — pick your period
Rank by 1-month / YTD / 1 / 3 / 5 years · tap a fund for every period & its calendar-year returns · verified from factsheets
Cumulative total returns quoted from each fund's official factsheet (Lipper). “n/a” means the fund is younger than that period. Fund houses publish monthly and not on the same schedule, so each fund is shown as of its own latest factsheet — those dates can differ by about a month, and the ranking is not struck on a single common date. Tap a fund to see its date and today's live NAV. Past performance is not indicative of future returns.
Indicative — past performance. fund-house factsheets (Lipper) · official factsheets · verified 1 Sep 2026. Unit trusts publish one NAV per day, not a live trading price — expand any fund above for a direct link to today's actual price. Variable-price funds can lose value; always check each fund's latest factsheet and fees before investing.
What would your money grow to?
Compare a fixed deposit, ASB and a top fund on your amount — compounded from today's verified rates
Projection, not a promise. FD assumes today's best 12-month rate repeats; ASB assumes the FY2025 distribution repeats; the fund compounds its factsheet-verified past growth rate — future returns will differ, and high-risk funds can lose money in any year. Sales charges and fees not included — see where to buy for 0% charge.
Money market funds — steady, near-constant payout
Cash-like funds that don't swing with the market · pay a regular distribution that tracks the OPR
| Fund / app | Indicative yield | Payout | Min | Invests in | |
|---|---|---|---|---|---|
KDI Save Kenanga | ~3.6% (up to 4% on first RM50k) | Daily | RM0 | Kenanga money market · Tiered promo rate on the first RM50,000 | Visit → |
Versa Cash Versa | ~3.5% | Daily accrual | RM0 | AHAM Enhanced Deposit Fund | Visit → |
TNG GO+ Touch 'n Go | ~3.4% | Daily | RM10 | Principal e-Cash Fund · Inside the TNG eWallet | Visit → |
Principal Money Market Income Principal | ~3.3% | Monthly | RM100 | Principal MMF | Visit → |
RHB Money Market Fund RHB | ~3.3% | Monthly | RM100 | RHB MMF | Visit → |
Yields are indicative, June 2026 · OPR 2.75%and move with Bank Negara's OPR — not guaranteed. Confirm the live rate on each platform. This is the closest thing to a “constant dividend”, but returns are lower than equity funds.
Where to buy — cheapest platform
The same fund costs different amounts depending on where you buy it · sales charge, fees & minimums compared
| Platform | Sales charge | Other fees | Minimum | Funds | Best for | Reviews |
|---|---|---|---|---|---|---|
| 0% | None on unit trusts | RM100 | 900+ funds, most houses | Widest 0%-charge fund selection | ||
Cheapest | ≤0.5% (many funds 0%) | None added by EPF | RM1,000 / transaction | ~200 EPF-approved funds | Investing your EPF Akaun savings yourself | |
| 1.5% equity · ~0% bond | None added | RM100 | Wide multi-house range | Low-charge equity funds online | ||
| 0% | 0.2%–0.8% p.a. (min RM5/mo) | RM1 | Managed ETF portfolios (not unit trusts) | Hands-off investing, no minimum | ||
| 5.0%–6.5% equity | None added | RM100–RM1,000 | That house's own funds only | Funds sold only direct (e.g. Public Mutual) | ||
Bank or unit-trust agent Bank / agent | 3%–5.5% | None added | RM1,000 typical | That bank's shelf | Hand-held, in-branch advice |
- Other fees
- None on unit trusts
- Minimum
- RM100
- Funds
- 900+ funds, most houses
- Best for
- Widest 0%-charge fund selection
- Other fees
- None added by EPF
- Minimum
- RM1,000 / transaction
- Funds
- ~200 EPF-approved funds
- Best for
- Investing your EPF Akaun savings yourself
- Other fees
- None added
- Minimum
- RM100
- Funds
- Wide multi-house range
- Best for
- Low-charge equity funds online
- Other fees
- 0.2%–0.8% p.a. (min RM5/mo)
- Minimum
- RM1
- Funds
- Managed ETF portfolios (not unit trusts)
- Best for
- Hands-off investing, no minimum
- Other fees
- None added
- Minimum
- RM100–RM1,000
- Funds
- That house's own funds only
- Best for
- Funds sold only direct (e.g. Public Mutual)
- Other fees
- None added
- Minimum
- RM1,000 typical
- Funds
- That bank's shelf
- Best for
- Hand-held, in-branch advice
Platform charges as at June 2026, verified against each provider's own pages. Charges and promotions change — confirm on the platform before investing. rates.my is independent and earns no commission from any platform listed.
Best & worst — by period
The 18 funds tracked herePast performance is no guide to the future · cumulative total return (MYR). These are the extremes among the 18 funds on this page, not the whole Malaysian market — FSMOne ranks its full universe of several hundred funds below.
See the full fund universe ranked on FSMOne →Which is right for you?
Stability → ASNB fixed-price
RM1.00/unit, ~4.75–5.75 sen, little volatility. For capital you can't risk.
Growth → variable-price
~9–15% p.a. over 5 years, but the unit price falls too. Needs a long horizon.
Compare options
EPF, fixed deposits, dividend stocks. For instant-access cash, the money-market funds behind e-wallets & digital banks (TNG GO+, KDI Save, Versa) work like a liquid unit trust.
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Unit trust reviews & discussion
Invested in any of these — ASB, a Public Mutual or gold fund, a tech fund? Share your experience, returns, fees and which platform you used. Leave a star rating; real reviews help everyone choose better.
💬 Discussion (3)
Live · last activity 03 Jul 2026
Best Unit Trust Malaysia — FAQ
There's no single winner — it depends on your risk and time frame. For low risk, ASB paid 5.75 sen (FY2025). For growth, market-linked tech and gold funds have led lately — higher upside, but real risk of loss.
ASB paid 5.75 sen per unit for FY2025 — a record RM10.4 billion payout, announced each December.
Fixed-price ASNB funds (ASB, ASM) stay at RM1.00 and pay a steady yearly distribution — low risk. Variable-price funds rise and fall with the market — higher potential, but you can lose money.
ASB and ASB 2 are for Bumiputera only; ASM and ASM 2 are open to all Malaysians. All are fixed-price RM1.00 ASNB funds — ASB usually pays the most.
No. They hold a stable RM1.00 price and are considered low-risk, but no fund is capital-guaranteed. Past returns don't guarantee future ones.
A fixed deposit is guaranteed (~4.3% for 12 months). ASB pays a bit more with low risk; variable-price funds aim higher but can lose value. FD for safety, unit trusts for long-term growth.