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The minimum investment amount varies by product. Selected Unit Trust funds have a minimum investment of RM100, while some funds require a higher minimum investment. Please refer to the relevant product documents or contact our team for details.

Potential investors can download the application form from our website and submit it to Berjaya Mutual Berhad by email or courier.

Investors can explore and invest across our range of products, while wholesale funds are available to investors who meet the criteria for sophisticated investors.

Berjaya Mutual differentiates itself through its Shariah-first approach, offering Shariah-compliant investment solutions across both institutional and retail markets. As a smaller and agile asset manager, we can provide more personalised and customised investment solutions, with greater flexibility to respond to the specific needs of our investors. Our investment solutions include Unit Trusts, Wholesale Funds and Private Mandates, supported by professional investment management.

Read our investment approach

• For Malaysian citizens: MyKad
• For Malaysian Permanent Residents (MyPR) and Malaysian Temporary Residents (MyKAS): MyPR/MyKAS together with any additional supporting documents required.
• For non-Malaysians: valid passport
• For institutional accounts: relevant statutory and supporting documents. Please contact our team for the full list of required documents.

We will notify you by email within 24 hours with the specific issue (blurry photo, mismatched information, expired document, etc.).

Yes. We follow PDPA 2010 requirements, and do not share personal information with third parties except as required by the Securities Commission Malaysia.

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Yes. We accept joint accounts for immediate family members only. The second applicant must be at least 18 years old at the time of application, regardless of their relationship to the first applicant.

Investors can download the "Change Request Form" from our website (Download List) and submit it to Berjaya Mutual Berhad by email or courier.

Berjaya Mutual offers three types of investment solutions:

• Unit Trust Funds — Pooled investments professionally managed according to the fund’s investment objective.
• Wholesale Funds — Professionally managed funds available to sophisticated investors who meet the applicable requirements.
• Private Mandate — A professionally managed portfolio tailored to the investor’s objectives and risk profile.

Returns are calculated on a net asset value basis, net of management fees, with distributions reinvested. Periods longer than one year are annualised. Figures are independently verified by our fund administrator before publication.

View fund performance

Account holders may switch between funds managed by Berjaya Mutual by completing the Transaction Form from our website (Download List) and submitting it to Berjaya Mutual Berhad by email or courier.

Yes. All our Shariah funds are certified as Shariah-compliant by our appointed Shariah Adviser.

Our appointed Shariah Adviser is Salihin Shariah Advisory Sdn Bhd, registered with the Securities Commission Malaysia. They are independent of Berjaya Mutual and of the Berjaya Group.

About our Shariah Adviser

Shariah screening is conducted in two stages: business activity screening and financial ratio screening.

First, business activity screening assesses whether a company's core business activities are Shariah-compliant. Non-permissible activities such as pork production, non-halal food products, alcohol, gambling and gaming, interest-based financial services, non-compliant entertainment, arms and defence, tobacco, and other activities contrary to Shariah principles are included as Shariah non-compliant.

Second, financial ratio screening assesses the company's financial position against the prescribed thresholds, including conventional debt-to-total assets and cash-to-total assets, each of which must not exceed 33%, as well as the non-halal income threshold, which must not exceed 5% of group total income. The screening results are then assessed against the applicable Shariah screening benchmarks and guideline from Securities Commission Malaysia and others, where applicable.

Purification refers to the process of identifying and donating the portion of income attributable to non-permissible investment, in accordance with the applicable Shariah methodology. The amount identified for purification is donated to eligible charitable recipients and is not retained as income by the fund or its investors. Where applicable, the purification amount and its treatment are appropriately documented and disclosed in the fund’s reporting to provide transparency to investors.

Screening methodology for Berjaya Mutual’s Shariah-compliant funds takes into consideration the applicable requirements of the Securities Commission Malaysia (SC) and the relevant resolutions of the SC Shariah Advisory Council (SAC) particularly for investment in Malaysia. Other recognised Shariah screening standards, including AAOIFI and relevant Islamic index methodologies, may also be referred to where appropriate for investment in another jurisdiction. This approach ensures that the fund’s investment screening remains aligned with the applicable regulatory requirements while maintaining consistency with its approved Shariah investment mandate.

Shariah compliance is subject to ongoing monitoring and periodic screening. If a security previously classified as Shariah-compliant but, subsequently becomes as non-compliant, it will be flagged for review and appropriate action will be taken in accordance with the applicable SC requirements screening methodology and the fund’s approved investment mandate. Where divestment is required, the fund manager will arrange for the security to be disposed of within the applicable timeframe and in accordance with the relevant Shariah requirements. Any income or capital gains requiring purification will be assessed and treated in accordance with the applicable Shariah guidance. The fund manager will maintain appropriate documentation of the non-compliance assessment, divestment and purification, where applicable.

Fees vary depending on the investment product. Please refer to the relevant product documents or contact our team for details on the applicable fees and charges.

Investors can download the "Transaction Form" from our website (Download List) and submit it to Berjaya Mutual Berhad by email or courier, or contact us for assistance.

Investors will receive investment reports on a monthly, quarterly, semi-annual, or annual basis, depending on the investment product.

Tax treatment may vary depending on the investor’s residency, type of investment product and nature of the income. Malaysian investors are generally not subject to Capital Gains Tax on the disposal of unit trust units. Non-Malaysian investors may be subject to Malaysian or foreign taxes depending on their circumstances. Investors should consult their tax adviser for advice specific to their situation.

There are no penalties for early withdrawal. However, this may vary depending on the investment product. Investors should refer to the relevant product documents for details.