Unit Trust / Mutual Fund Calculator
8.0% p.a.
Balanced funds ~6–8% · Equity funds ~8–12% · Bond funds ~3–5%
5.0%
20 years
Total Invested
RM 130,000
Final Value
RM 343,278
Total Gain
RM 213,278
Save with 0% charge
+RM 2,464
💡 At 0% sales charge via FSMOne: your 20-year value = RM 345,742 — that's RM 2,464 more than paying 5% upfront.
Platform Fee Comparison (RM10,000 initial, 20 years, 8%)
| Platform | Sales Charge | 20-Year Value | vs FSMOne |
|---|---|---|---|
| Public Mutual (aggressive) | 5.5% | RM 69,250 | −RM 4,031 |
| Kenanga (balanced) | 5% | RM 42,378 | −RM 2,230 |
| AmMetLife (balanced) | 3% | RM 35,468 | −RM 1,096 |
| FSMOne (0% sales charge) | 0% | RM 49,268 | Best |
Comparison at same return rate. FSMOne 0% sales charge means more of your money compounds from day 1.
📈 FSMOne — Free RM25Expires 29 May 2026
RM670/Month for 30 Years = RM1M — At 0% Sales Charge
Plus RM25 free and 50% OFF fees for 30 days when you sign up with code 4G4TEP.
Monthly DCA → RM1M at 8% p.a.
| Monthly | 10 yrs | 20 yrs | 30 yrs |
|---|---|---|---|
| RM300/mo | RM55k | RM177k | RM449k |
| RM500/mo | RM91k | RM297k | RM749k |
| RM670/mo | RM122k | RM397k | RM1.0M |
- ✅900+ unit trust funds including ASNB
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Frequently Asked Questions
What is the average return for unit trusts in Malaysia?
Malaysian unit trust returns vary: equity funds (Bursa-focused) average 6–10% p.a. over 10 years; balanced funds average 5–7%; bond/income funds 3–5%. Top performers like Kenanga Growth and Public Ittikal have delivered 10–15% over certain periods. However, past performance is not guaranteed. FSMOne allows 0% sales charge on 900+ funds — important because a 5% upfront charge reduces first-year returns significantly.
How does sales charge affect unit trust returns?
Sales charge is taken from your initial investment before it starts earning. A 5% charge on RM10,000 means only RM9,500 is invested — you need to earn 5.26% just to break even. Over 10 years at 8% annual return: RM10,000 with 0% charge = RM21,589; with 5% charge = RM20,510. You lose RM1,079 purely from sales charge. FSMOne charges 0–0.5% on most funds, saving RM300–500 per RM10,000.
Is unit trust better than FD in Malaysia?
Long term (10+ years): equity unit trusts typically beat FD significantly. FD returns 3.5–3.7% guaranteed; equity unit trusts historically return 7–10%. On RM50,000 for 20 years: FD (3.7%) = RM102,600; equity unit trust (8%) = RM233,000 — a RM130,000 difference. Short term (under 3 years): FD is safer and more predictable. Unit trusts have short-term volatility.
What is the minimum investment for unit trusts in Malaysia?
Most Malaysian unit trusts have a RM1,000 minimum initial investment, with RM100 minimum for subsequent top-ups. Via FSMOne (online platform), minimums are often lower — RM100 for initial and RM50 for monthly. EPF's Members Investment Scheme (MIS) allows EPF Account 1 funds (up to 30%) to be invested in approved unit trusts.
Which is better: unit trust or ASB in Malaysia?
ASB (Amanah Saham Bumiputera) is better for Bumiputera investors: 5.25% + bonus dividend (near-guaranteed), government-backed, zero sales charge, up to RM200,000 regular + RM50,000 ASB2. For non-Bumiputera or those above RM200k ASB limit: diversified equity unit trusts at 0% sales charge via FSMOne targeting 8–10% are the better choice. Always maximize ASB first if eligible.
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