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Home›Investment›Versa vs Public Mutual Malaysia
Versa vs Public Mutual Malaysia 2026

Versa vs Public Mutual Malaysia 2026

A digital, agent-free app vs one of Malaysia's largest agent-based unit trust managers. Here's the full comparison.

Versa is a fully digital, agent-free app with a very low RM10 minimum. Public Mutual is a long-established unit trust manager typically accessed through a Unit Trust Consultant, with a RM1,000 minimum for its money market fund. Both are SC-regulated capital market products.

Versa Cash-i vs PIMMF 2026 — Full Comparison

FeatureVersa Cash-iPublic Mutual (PIMMF)
AccessFully digital, no agentUnit Trust Consultant (or PMO for existing investors)
1-year return~3.1% p.a. (indicative)3.34% (period ended 30 Jun 2025)
Minimum initial investmentRM10RM1,000
Minimum additionalRM10RM100
Sales/redemption chargeCheck current app feesNil
Shariah-compliantYesYes — Islamic money market fund
PIDM protectedNoNo — not capital guaranteed

PIMMF return sourced from Public Mutual's Product Highlights Sheet (period ended 30 June 2025). Versa Cash-i rate as of July 2026. Not guaranteed — variable and subject to change. Past performance is not indicative of future performance.

💰 Versa — Free RM10SC regulated · Code CALMY

RM10,000 Idle Cash Earns ~RM324–369/Year — No Lock-In

Sign up with code CALMY and get RM10 free on your first RM100+ deposit.

Illustrative 1-Year Return (Indicative Rate)

DepositReturn (3.24–3.69% p.a.)
RM1,000RM32–37
RM5,000RM162–185
RM10,000RM324–369
  • 🔓No lock-in — withdraw anytime
  • 🏦SC-licensed money market fund, min RM10
  • 📋PRS option available — up to RM3,000/year tax relief
Get Free RM10 — Sign Up with Code CALMY →

Rate is variable, not guaranteed. Past performance is not indicative of future performance. Not reviewed by SC. Min RM10 · T&Cs apply.

FAQ — Versa vs Public Mutual Malaysia

Do I need an agent to invest with Versa, unlike Public Mutual?
No. Versa is a fully digital, self-service app — you sign up and invest directly with no agent involved. Public Mutual funds are distributed through Unit Trust Consultants (UTCs), so most Public Mutual investments involve an agent, though Public Mutual Online (PMO) allows existing investors to transact online.
What's the return on Public Mutual's money market fund vs Versa Cash-i?
The Public Islamic Money Market Fund (PIMMF) recorded a 3.34% return for the 1-year period ended 30 June 2025, and 3.65% since its 2007 commencement (average annual). Versa Cash-i offers an indicative net return of approximately 3.1% p.a. Both figures are historical/indicative and not guaranteed going forward.
What's the minimum investment for each?
Public Mutual's PIMMF requires a minimum initial investment of RM1,000 (RM100 for additional investments). Versa Cash-i has a much lower minimum of RM10 for both initial and additional deposits.
Are there sales charges on either platform?
Public Mutual's PIMMF has no sales charge or redemption charge (as a money market fund). Versa's fee structure should be checked directly in-app, as fee schedules can change — always review the current terms before investing on either platform.

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Code CALMY — RM10 sign-up bonus for new users