A unit trust is a collective investment that pools money from many investors to be managed by professional fund managers. You gain access to diversified assets such as stocks, bonds, and global markets with ease.
✨ Benefits:
💡 Ideal for:
Young professionals, families, mid- to long-term savers
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PRS is a voluntary long-term retirement savings plan approved by the Securities Commission Malaysia. Contributions are tax-deductible (up to RM3,000/year) and locked in until retirement, ensuring long-term discipline.
✨ Benefits:
💡Ideal for:
Working adults, self-employed, business owners with no EPF
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If you have more than RM10,000 in your EPF Account 1, you can invest a portion through EPF’s i-Invest platform into approved unit trust funds. This option allows you to grow your EPF money beyond the fixed dividend rate.
✨ Benefits:
💡Ideal for:
Salaried EPF members looking for moderate growth
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Money Market Funds are low-risk, highly liquid investments that aim to preserve capital while offering modest returns — often used as a short-term parking place for cash.
✨ Benefits:
💡 Ideal for:
Conservative investors, cash reserve management, retirees
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|
Investment Tool |
Risk Level |
Investment Horizon |
Liquidity |
Suitable For |
|---|---|---|---|---|
|
Unit Trust |
Medium |
3–10+ years |
Moderate |
General wealth building |
|
PRS |
Medium |
Until age 55/60 |
Low |
Retirement planning |
|
EPF i-Invest |
Medium |
Mid-long term |
Moderate |
EPF members |
|
Money Market |
Low |
Short term |
High |
Cash management / Safety |
Want to know what works best for your goals and lifestyle?
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Unit Trusts are flexible investment funds for various goals, while PRS is a long-term retirement savings scheme with tax benefits up to RM3,000/year.
Most Unit Trusts require an initial investment of RM1000 (lump sum) to open the fund. After that, you can choose to set up a Regular Savings Plan (RSP) starting from as low as RM100 per month.
No. In fact, the earlier you start, the more you benefit from compound growth. PRS is ideal for working adults who want to supplement their EPF savings with long-term, tax-efficient investments.
Yes, we are authorized to assist you in selecting and transacting EPF-approved unit trust funds through the i-Invest platform. We help you assess your risk profile and recommend funds that match your goals.
While not guaranteed, Money Market Funds in Malaysia typically offer better returns than fixed deposits, with daily liquidity. Returns are generally stable, though lower than equity or balanced funds.
💡 Note: Money Market Funds may offer better after-tax returns depending on the fund structure, especially for companies managing large short-term cash reserves.
Many of our offered funds, including PRS and selected unit trusts under EPF i-Invest, are Shariah-compliant. Let us know your preferences and we will tailor the selection accordingly.
All investment products we offer are regulated by Bank Negara Malaysia or the Securities Commission, and we work only with licensed fund houses, insurers, and trustees. While returns are not guaranteed, proper planning helps manage risks.
