⚡ Key Fact
All unit trust funds in Malaysia can be purchased at 0% sales charge via FSMOne — vs bank charges of 3–5.5% per purchase. On RM10,000 invested, that is RM300–RM550 saved every time you buy. The fund you buy matters, but where you buy it also matters.
Top Unit Trust Funds Malaysia 2026 — By Return
| Fund Name | Manager | Category | 1-Year Return | Risk |
|---|---|---|---|---|
| Public U.S. Equity Fund | Public Mutual | Equity (US) | +39.01% | High |
| Public Worldwide Equity | Public Mutual | Equity (Global) | +20.08% | High |
| Principal DALI Asia Pacific | Principal | Equity (Asia) | +15.2% | High |
| Kenanga Growth Fund | Kenanga | Equity (MY) | Varies | High |
| Affin Hwang Select Income | Affin Hwang | Balanced | ~6–7% | Medium |
| Eastspring Investments Bond | Eastspring | Bond | ~4–5% | Low |
| Principal Islamic DALI | Principal | Equity Shariah | Varies | High |
| CIMB Islamic Equity | CIMB-Principal | Equity Shariah | Varies | High |
Past returns do not guarantee future performance. Data approximate — verify current performance on FSMOne before investing.
Choose by Fund Category
📈
Equity Funds
For growth (5+ year horizon)
- • Higher returns potential (10–40%+ in bull year)
- • Higher volatility — value drops in bear market
- • Best for long-term investors under 50
⚖️
Balanced Funds
For moderate risk
- • Mix of stocks + bonds (60/40 typical)
- • Smoother returns (~6–10% p.a.)
- • Auto-rebalancing by fund manager
🛡️
Bond Funds
For capital preservation
- • Government & corporate bonds
- • Stable returns ~3–6% p.a.
- • Low volatility — suits near-retirement
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Unit Trust Fund Houses on FSMOne Malaysia
Public Mutual
Principal
Kenanga
Eastspring
Affin Hwang
CIMB-Principal
Manulife
AmFunds
RHB Asset
Hong Leong AM
TA Investment
PMB Investment
30+ fund management companies available on FSMOne — all at 0% sales charge.
Best Unit Trust Malaysia 2026 — FAQ
Which unit trust fund has the best return in Malaysia 2026?
Top performing unit trust funds in Malaysia based on recent 1-year returns: Public U.S. Equity Fund (+39.01%), Public Worldwide Equity Fund (+20.08%), Principal DALI Asia Pacific Equity (+15.2%). Note: these are equity funds with higher volatility. Past performance does not guarantee future results. Consider your risk tolerance and investment horizon before choosing.
Is Public Mutual the best unit trust company in Malaysia?
Public Mutual is the largest retail unit trust manager in Malaysia with 33.8% market share and over RM100 billion AUM. It offers the widest selection of funds (100+ funds) and has a strong long-term track record. However, "best" depends on your needs — Principal, Kenanga, Eastspring, and Affin Hwang also offer competitive funds. All major fund houses are available on FSMOne at 0% sales charge.
What is the difference between equity, bond, and balanced unit trust funds?
Equity funds: Invest mainly in stocks — higher potential returns (8–20%+ p.a. in good years) but higher volatility and risk. Bond funds: Invest in government/corporate bonds — more stable returns (3–6% p.a.) with lower risk. Balanced funds: Mix of equity and bonds — moderate risk and return (5–10% p.a.). For long-term investors (5+ years), equity funds tend to outperform. For shorter horizons, bond or balanced funds are safer.
How do I buy unit trust in Malaysia with 0% sales charge?
Buy through FSMOne (fsmone.com.my): 0% sales charge on 900+ funds from 30+ fund houses including Public Mutual, Principal, Kenanga, Eastspring, Affin Hwang. Step 1: Open FSMOne account online (MyKad required). Step 2: Deposit minimum RM100 (get RM25 bonus with referral code 4G4TEP). Step 3: Search and buy your chosen fund — 0% sales charge, no hidden fees. Compare this to bank sales charge of 3–5.5%.
Is Shariah unit trust available in Malaysia?
Yes — FSMOne offers 200+ Shariah-compliant unit trust funds at 0% sales charge. Shariah funds invest only in halal industries and exclude interest-bearing instruments. Popular Shariah funds: CIMB Islamic Equity, Principal Islamic Equity Growth, Eastspring Investments Dana al-Islah. The SC Malaysia approves all Shariah funds through the Shariah Advisory Council (SAC).