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Never miss an investment opportunity when you can transact anytime and anywhere

Manage your Online Unit Trust Funds anytime anywhere with SC Mobile

Grow your wealth for you, your family and beyond.
Signature CIO Funds

Signature CIO Funds

Foundational portfolios to navigate safely through market uncertainty. Start your wealth journey today and open an account via SC Mobile App.
Adult, Male, Man

Compare fund-factsheets at touch with our Interactive Fund Library

What is a Unit Trust?

Enjoy all-in-one Digital Self Servicing feature to manage your Online Unit Trust such as Invest, Switch, Redeem with SC Mobile at your convenience.

Benefits of Investing in Unit Trusts

Diversification

Achieve diversification across asset classes and geographies

Affordable

Invest through a Regular Savings Plan starting from just MYR100.

Professionally managed

Typically, unit trusts are managed by a professional fund manager or a team of managers

Liquidity

Most unit trusts offer daily subscriptions and redemptions

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Quick steps to kick start your wealth journey:

STEP 1

For new clients, Download the SC Mobile App and select > Open Bank account > Savings Account.

STEP 2

If you are an existing client, please proceed to login on SC Mobile App > Select Investment Profile to learn about your Risks profile.

STEP 3

Once complete, tap on “Unit trust” 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.

Note: If you are a desktop user, please download our SC Mobile Banking App on your mobile device.
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Exclusively for Priority Banking clients

Up to 5.00% p.a. on your deposits

Terms and conditions apply >

Log-in to SC Mobile/iBanking and start trading now.

1. Download SC Mobile App from Apple App Store or Google Play Store.

2. On the login screen at the bottom, please tap on Open Bank Account and select your preferred deposit account.

3. Scan your ID, take a selfie and complete the account opening form.

4. Once your deposit account is activated, log-in to SC Mobile/iBanking and start trading now.

A unit trust (or fund) is made up of money pooled from multiple investors and invested in a variety of assets to meet an investment objective. Investors own units which represent a part of the unit trust’s portfolio holdings. A fund can invest in securities such as stocks, bonds and/or other instruments. In Malaysia , a unit trust may also be referred to as a collective investment scheme (CIS).

As with any investment, there will be associated investment risks involved, depending on the type of investment you choose. There is a possibility that you may lose part or all of the amount you have invested. You can also speak to our relationship managers to find out how investing in unit trusts can benefit your portfolio.

You can begin investing through our Unit Trust Platform for greater convenience, anytime and anywhere. Alternatively, speak to our Relationship Managers at any of our branches.

The minimum investment amount for unit trusts varies. Some of them require a minimum investment of  as low as MYR100.

With our RSP, you commit to investing a fixed amount of money on a regular monthly basis, on a recurring schedule, into a fund of your choice. In addition to being a disciplined approach to investing, a RSP allows you to enjoy the benefits of Dollar Cost Averaging as you build up your investment position. If you wish to invest in a systematic and disciplined way, you can set up a Regular Savings Plan (“RSP”) in the Online Unit Trust platform by your own.

The monthly minimum investment amount needed to set up a RSP with us is MYR100, this amount may be higher depending on each fund’s minimum regular savings plan amount. Please refer to the minimum RSP amount set out in the relevant fund prospectus, as the minimum amount varies from fund to fund. Please also note that you will still need to fulfil the fund’s minimum initial investment amount prior to RSP set up. There is no minimum period that you have to invest for RSP.

You must be minimum age of 18 and need to 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 Customer Investment Profile (“CIP”) where you have assessed to have knowledge and experience in transacting Unit Trust. Having a “Customer 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.

If any assistance required, visit our branches to speak to our Relationship Managers.

Knowing the investment risks associated with each investment is important. When you invest in a unit trust, you should receive a factsheet and prospectus which details the risks involved. Some examples are (non-exhaustive):

 

Investment Risk – As with any investment, your investment value and dividends may go up, down or even be completely lost in extreme cases.

 

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.

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.