Personal Banking

Financial Planning / Unit Trust
Investment planning is the strategy that outlines your investment goals and the suitability of an investment instrument to achieve those goals. The amount to be invested also depends on available cash or asset, experience of an investor, risk tolerance and financial goals of each investor.

  • Unit trust is a collective investment which allows individual investors to combine their monies into a single fund, thus spreading the risks across different investment instruments or sectors.
  • Unit trust investment objective: investment to generate income or growth through big and small firms and in different geographical areas.
  • Unit trust is one form of investment on shares of companies, properties, commodity or other instruments.
  • The price of unit trust is dependent on the base price of each unit trust and the performance of the instrument selected by the investors like shares/unit trust or others.
  • Only the best Islamic Funds in the market
  • Selection of investment based on risk tolerance of investor
  • FREE advisory services by our Financial Advisor Executive
  • Investment in Unit Trust funds are offered to:
  1. Individual applicant:
    1. Malaysian citizen
    2. Must be 18 to 65 years of age
    3. In case of joint investment; the principal investor must be 18 years of age and above. Joint investor can be of any age
    4. Applications in joint names are limited to two persons only.
  2. Institutional applicant – Companies, co-operatives, societies, sole proprietors, institutions, etc.
  • Minimum investment amount starts at RM500* (*Varies with different funds)
  • Selection of the best Islamic Unit Trust Funds in the market
  • Unit trust investment based on investors’ risk tolerance
  • COMPLIMENTARY of advisory services by Bank Rakyat’s Wealth Management Advisor
  • Unit trust is a collective investment which allows individual investors to combine their monies into a single fund, thus spreading the risks across different investment instruments or sectors.
  • Unit trust investors also benefit from professional fund managers and reduced transaction costs.
  • Unit trust investment objective: investment to generate income or growth through big and small firms and in different geographical areas.
  • Unit trust is one form of investment on shares of companies, properties, commodity or other instruments. 
  • The price of unit trust is dependent on the base price of each unit trust and the performance of the instrument selected by the investors like shares/unit trust or others.
  • Equity – investment in share market.
  • Bond – investment in the bond market issued by Government/Private Companies.
  • Cash – A lump sum payment(s) on the initial investment and/or additional investment(s)
    *Note: New subscription for cash transaction is currently unavailable due to system maintenance until further notice.
  • EPF – Periodic based on age and EPF’s terms and conditions (applicable for certain funds)

There are 21 shariah-compliant funds distributed by Bank Rakyat from 4 Unit Trust Management Companies.

  1. AmFunds Management Berhad

    Ambon Islam
    AmIttika
    AmIslamic Growth
    AmIslamic Balanced
    AmOasis Global Islamic
    AmAl-Amin
    AmPrecious Metals
     
  2. Principal Asset Management Berhad

    Principal Islamic Asia Pacific Dynamic Equity Fund
    Principal islamic Lifetime Balanced fund
    Principal Dali Asia Pacific Equity Growth Fund
    Principal Dali Equity growth Fund
    Principal Islamic Money Market Fund
     
  3. Eastspring Investments Berhad

    Dana Al-Ilham
    Dana Al-Islah
    Dana Dinamik
    Dana Wafi
    Islamic Income Fund
    Asia Pacific Shariah Equity
     
  4. Maybank Asset Management

    Maybank Malaysia Growth-i Fund
    Maybank Malaysia Balanced-i Fund
    Maybank Malaysia Income-i Fund
     

Unit trust investors could benefit from many advantages that are not usually applicable for individual investors. Among the benefits are:

1. Affordability
Unit trust investments require a minimal capital outlay as most funds accept both small and large investments, making it affordable for the average investor to get started.
2. Portfolio Diversification
Unit Trust investments allow the investor to invest in a broader range of securities than they would be able to when investing on their own. Diversification minimises exposure to any one type of risk.
3. Continuous Professional Management
Unit trust funds are managed by professional and full-time fund managers who have the necessary skills, relevant experience and dedicated resources to maximise investments. This takes the worry out of the day-to-day decision whether to buy or sell a financial asset – the fund manager does it all for you.
The published rates, fees and charges are effective from 1st April 2019 following the implementation of 6% SST from 1st September 2018. Terms & conditions apply.

For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.
*Terms and conditions apply.