Amanah Saham Nasional Berhad (ASNB) manages 16 unit trust funds for Malaysian investors, with several exclusively for Bumiputera. These funds offer government-linked investment safety with returns that consistently outperform fixed deposits. Here is a complete guide to all major ASNB funds.
ASNB Fixed Price Funds (Capital Guaranteed)
| Fund | Eligibility | 2025 Return | Unit Price |
|---|---|---|---|
| ASB (Amanah Saham Bumiputera) | Bumiputera only | 5.50% | RM1.00 |
| ASB 2 | Bumiputera only | 4.25% | RM1.00 |
| ASW 2020 | All Malaysians | 4.25% | RM1.00 |
| ASM (Amanah Saham Malaysia) | All Malaysians | 4.50% | RM1.00 |
| AS 1Malaysia | All Malaysians | 4.25% | RM1.00 |
| ASN Equity 3 | All Malaysians | Variable | Market price |
How to Invest in ASNB
1. Open an ASNB account at any ASNB agent (Maybank, CIMB, Public Bank branches, post offices). 2. For Bumiputera: bring MyKad + birth certificate. 3. Minimum initial investment varies by fund (typically RM10–RM100). 4. Manage investments via myASNB portal or app. 5. For Bumiputera, there is a fixed unit allocation per person — check current availability as ASB units can be limited.
ASNB for Children
Parents can open ASNB accounts for children under 18, with the parent as trustee. Starting early allows compounding to work over a longer horizon — RM5,000 in ASB at birth growing at 5.5% becomes RM25,000 by age 18.
Tax Treatment
ASNB fund dividends are exempt from personal income tax for Malaysian residents. This makes them particularly attractive compared to FD interest which is also tax-exempt for residents (WHT of 15% applies only to non-residents).
Project your ASNB growth with our 📈 Compound Interest Calculator.