What is a Unit Trust?

Gain access to a world of opportunities with unit trusts, an instrument that pools capital from several investors to invest it in a diversified mix of assets catering to a variety of financial goals, investment horizons and risk profiles, and eliminating concentrated risks at the same time.

Benefits of Investing in Unit Trusts

Diversification

Achieve portfolio diversification and mitigate concentrated risks by investing across asset classes, sectors, market capitalisations and geographies.

Accessibility

Invest in lump sums or via a Regular Savings Plan (RSP) starting from just RM100 per month.

Professionally managed

Managed by professional fund managers who periodically review and rebalance holdings to capitalise on opportunities and mitigate impending risks.

Liquidity

Unit trusts allow subscriptions and redemptions on any business day prevailing net asset values, allowing you unfettered access to your capital.

Getting started with Unit Trusts

If you don’t have a CASA Account yet, please visit the nearest Standard Chartered Bank branch to open one. Once your account is opened and funded, log in to the SC Mobile app and follow the steps below to begin your wealth journey.

I’m an existing client

Follow these steps to get started

  • My unit trust step
  • Step invest
  • Step unit trust
  • Step fund select

Step 1

Log in to the SC Mobile app.

Step 2

Tap on “Investment Profile” in the menu to learn about your risk profile.

Step 3

Once complete, tap on “Unit Trusts” and browse through the funds of your choice to invest.

Step 4

Setup a Regular Savings Plan if you wish to automate your monthly savings. Alternatively, you can also opt for a one-off purchase.

Let’s get in touch

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Things you should know

  • Convenience: Invest anytime, anywhere.
  • Real-Time Access: Monitor your portfolio and make transactions in real-time.
  • Sharpened fund discovery with side-to-side fund comparison.

Dollar-cost averaging (DCA) refers to investment strategy wherein fixed amounts of money are invested in a unit trust at pre-determined intervals, regardless of the unit price.

This can be done via a Regular Savings Plan (RSP) and helps reduce the impact of market volatility on one’s portfolio. Dollar cost-averaging comes in play when… purchasing more units when prices are low, and fewer when prices are high when This helps potentially lower the average cost per unit in one’s portfolio over time.

A Regular Savings Plan (RSP) allows you to invest a fixed amount regularly into a chosen fund, promoting disciplined investing and benefiting from dollar-cost averaging.​

The monthly minimum investment for an RSP is RM100, though this may vary by fund. There is no mandatory minimum investment period; however, longer durations can help in averaging out market fluctuations.​

  • Market Risk: Potential losses due to market fluctuations.
  • Credit Risk: Risk of issuers defaulting on payments.
  • Liquidity Risk: Difficulty in selling units without impacting their price.
  • Currency Risk: For funds investing in foreign assets, exchange rate fluctuations can affect returns.​
  • Foreign Exchange Risk: You should be aware that your investments can be negatively affected by foreign exchange risk if you hold unit trusts/ funds that invest in assets denominated in foreign currencies.
  • Potential Risks of Hedge Funds or Alternative Funds: These funds differ from traditional unit trusts in that they can undertake more risky investment strategies than traditional fund managers e.g. they may borrow to invest which can magnify potential losses.
  • Potential Risks of Derivatives (if applicable): Unit trusts which invest in derivatives may have higher volatility. An investment in derivatives may result in losses that are greater than the principal amount invested. Derivatives are also subject to a number of risks including but not limited to liquidity, interest rate, market, counterparty and credit risk. It is important that you fully understand the nature and risk exposure before investing in derivatives.

Risks mentioned above are not exhaustive. Please refer to Fund’s Prospectus/ Information Memorandum and Product Highlight Sheet for more details.

• Diversify: Invest in a mix of asset classes and sectors.
• Understand Your Risk Tolerance: Choose funds that align with your investment goals and risk appetite.
• Regular Monitoring: Review your investments periodically and adjust as needed.​

  • Capital Gains: Profits from selling assets at a higher price than the purchase price.
  • Income Distributions: Earnings from dividends or interest, distributed to unit holders.​

No, past performance is not a guarantee of future returns. It is crucial to consider other factors such as the fund’s objectives, management, and market conditions.​

You must be at least 18 years old and have the following:

  1. An active Unit Trust Investment Service Account (“ISA”) with the Bank.
  2. A valid settlement account in the denominated currency of the Unit Trust you wish to invest into.
  3. Valid Client Investment Profile (“CIP”) where you have assessed to have knowledge and experience in transacting Unit Trust. Having a “Client Investment Profile” will be a prerequisite for investors and for us to assess suitability of all investment.

Note:

  • CIP can be completed in SC Mobile app > side menu > Investing > Investment Profile.
  • For new user, ISA will be auto-created after submitting the first subscription in Online Unit Trust platform.

For any assistance, please visit your nearest branch to speak with our Relationship Managers.

CHARGES
DETAILS
Sales Charges These are charges which are deducted from the subscription amount and paid to the distributor.
Switching Fees Some unit trusts providers allow investors to switch internally to another unit trust from the same umbrella and a switching fee will apply.
Recurring Fees Annual management fees and other administrative fees will be charged by the fund house. While you do not pay these fees out of your own pocket, they are paid for by the unit trust and incorporated into the fund price, which will reduce the return that you get.
Find out more on the Bank’s Investment Products Terms (“IPT”) and Pricing Guide.

Disclaimers

This is an advertisement

This advertisement has not been reviewed by the Securities Commission Malaysia. The product lodgement, registration, submission or approval by the Securities Commission of Malaysia does not amount to nor indicate recommendation or endorsement of the product, service or promotional activity. Please refer to Advertising Standards on https://www.sc.com/my/investments for additional information. Investment products are not deposits and are not obligations of, not guaranteed by, and not protected by, Standard Chartered Bank Malaysia Berhad or any of the affiliates or subsidiaries, or by Perbadanan Insurans Deposit Malaysia (PIDM), any government or insurance agency. Investment products are subject to investment risks, including the possible loss of the principal amount invested.

This document is not intended to be an offer or invitation to subscribe for or purchase securities.

The information contained herein has been obtained from sources believed in good faith to be reliable and the opinions, analyses, forecasts, projections and expectations (collectively “Opinions”) contained herein are based on such information and are expressions of belief only.

No representation or warranty, expressed or implied, is made that such information or Opinions is accurate, complete or verified and should not be relied on as such. Information and Opinions contained herein are published for recipients’ reference only.

As with any other form of financial product, the financial product introduced herein carries risks, and you may not get back the amount you originally invested. You should be aware that this financial product may not be suitable for potential investors who are averse to such risks, and to consider the fees and charges involved.

You are advised to read and understand the approved relevant documents accompanying and relating to the product (whether prospectuses, information memorandum or deed) for inherent risks of investing in the product.

If in doubt, potential investors should seek independent advice. Investment in this financial product is neither deposited with nor guaranteed by Standard Chartered or its subsidiaries. Accordingly, neither the Bank nor any of its related companies shall have any responsibility whatsoever to any investor for any losses which the investor may suffer as a result of the performance of the product.

Related Links

Manage & invest in unit trusts online with SC Mobile app Manage & invest in unit trusts online with SC Mobile app

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