15 ASNB & private unit trust funds compared. Calculate projected returns, compare dividend history, and filter by eligibility.
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Full Comparison Table — All Funds
Compare dividend/distribution rates and key details at a glance.
Fund
Provider
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5Y Avg
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Important Disclaimer
Returns shown are based on the most recently declared dividend/distribution rates and historical averages. Unit trust investments are subject to market risk. Past performance does not guarantee future results. Fixed-price ASNB funds maintain RM1.00 NAV but this is not a government guarantee. Always read the fund prospectus before investing.
Official Sources & Useful Links
ASNB — official fund manager for ASB, ASN, and other fixed-price funds
FIMM — Federation of Investment Managers Malaysia (verify licensed unit trust consultants)
EPF / KWSP — check approved funds for EPF Members Investment Scheme withdrawal
Tips for Unit Trust Investing in Malaysia
Start with ASNB if eligible — no sales charge, no annual management fee deducted separately, and consistent returns. ASB has delivered 5-7% annually for decades.
Max out ASB first (RM300,000 limit) before exploring variable-price or private funds. The risk-adjusted return is hard to beat.
For non-Bumiputera investors, ASN Equity 2 and ASN Imbang 1 are solid no-fee options from ASNB with professional management.
Watch the sales charge on private unit trusts — a 5% upfront fee means your investment starts 5% in the hole. Negotiate or buy through fee-rebate platforms.
Reinvest dividends for compounding — ASNB auto-reinvests by default. Over 10 years, compounding can add 30-40% more to your returns.
Diversify across asset classes: equity funds for growth, balanced/bond funds for stability, and fixed-price funds for capital preservation.
EPF Members Investment Scheme: You can withdraw from EPF Account 1 to invest in approved unit trusts. Check if the fund is EPF-approved before investing.
Review your unit trust portfolio at least annually. Rebalance if any single fund exceeds 40% of your total investment portfolio.
Frequently Asked Questions
ASB declared a dividend of 5.00 sen per unit for 2025, plus a bonus of 0.50 sen, totalling 5.50 sen per unit (effective 5.50% return). This is distributed annually by ASNB. The dividend has ranged from 5.00% to 7.00% over the past decade, making ASB one of the most consistent investment products in Malaysia.
Both are fixed-price Bumiputera-only funds at RM1.00/unit. ASB allows up to RM300,000 individual investment; ASB2 allows up to RM200,000. ASB historically pays slightly higher dividends. Strategy: max out ASB first, then put excess into ASB2 for additional allocation.
Yes, but only in selected variable-price funds: ASN Equity 2, ASN Equity 3, ASN Equity Global, ASN Imbang 1, ASN Imbang 2, ASN Sara 1, and ASN Sara 2. Fixed-price funds (ASB, ASB2, AS1M, ASD, ASN) are restricted to Bumiputera investors. Open an ASNB account at any ASNB branch or selected bank branches.
ASNB funds are NOT government-guaranteed. ASNB is managed by PNB (Permodalan Nasional Berhad), a government-linked investment company. Fixed-price funds maintain RM1.00 NAV through PNB's portfolio management, but this is not a legal guarantee. Variable-price funds fluctuate with the market. However, PNB's track record over 40+ years has been strong.
Unit trust dividends are generally exempt from income tax for individual Malaysian investors. This applies to both ASNB and private unit trust distributions. Capital gains from selling unit trust units are also not taxed for individuals (as of 2026). Always verify with LHDN or a tax advisor for your specific situation.
For Bumiputera: ASB — fixed price, consistent 5-6% dividends, no fees, easy withdrawal. For non-Bumiputera: ASN Equity 2 (growth) or ASN Imbang 1 (balanced) from ASNB — no sales charge, professional management. For those wanting more growth exposure, Public Mutual equity funds are popular but charge 5-6% sales fees.
ASB financing (loans to invest in ASB) can be profitable if ASB dividend rate exceeds the loan interest rate. With current ASB dividends around 5.50% and ASB loan rates around 4.0-4.5%, there is a positive spread. However, this involves leveraged investing — if dividends drop below loan interest, you lose money. Only consider ASB loans if you have stable income and can handle the monthly repayments even without dividend income.
💡 New to investing? Read our EPF / KWSP Guide to understand how your mandatory savings compare to unit trust returns, or check the SSPN-i Guide for tax-deductible education savings.