REGISTRATION
     
  1. Registration of ASNB Account
  2. Akaun Dewasa

    Applicant Eligible applicant
    Documents required
    • ASNB DF Form - Pendaftaran Unit Amanah
    • Identity Card
    • Cash equal to/more than the required initial subscription for each unit trust fund
    Where to apply ASNB Main Counter Kuala Lumpur, ASNB branches or ASNB agents

    Akaun Remaja / Bijak

    Applicant Registered guardian/Eligible applicant
    Documents required
    • ASNB DF Form - Pendaftaran Unit Amanah
    • Identity Card and/or Birth Certificate of Minor
    • Identity Card of Registered Guardian
    • Cash equal to/more than the required initial subscription for each unit trust fund
    Where to apply ASNB Main Counter Kuala Lumpur, ASNB branches or ASNB agents

    Forms

    Form filling guidelines ASNB DF Forms – Pendaftaran Unit Amanah for Akaun Dewasa or Akaun Remaja/Bijak
     
  3. Eligibility to Invest
  4.  FAQ
     

    Investment in ASNB unit trust fund is open to all Malaysian citizens as follows:

    Unit AmanahEligible Group to Invest
    BumiputeraNon-Bumiputera
    Amanah Saham Nasional (ASN)
    Amanah Saham Bumiputera (ASB)
    Amanah Saham Wawasan 2020 (ASW 2020)
    ASN Equity 2
    Amanah Saham Malaysia (ASM)
    Amanah Saham Didik (ASD)
    ASN Imbang (Mixed Asset Balanced) 1
    ASN Imbang (Mixed Asset Balanced) 2
    ASN Equity 3
    ASN Sara (Mixed Asset Conservative) 1
    Amanah Saham 1Malaysia (AS 1Malaysia)
    Amanah Saham Bumiputera 2 (ASB 2)

    With effect from 15 December 2017, investments in ASNB unit trusts are permitted as early as the birth of a baby with a Registered Guardian of a Malaysian citizen aged 18 years and above.
    Please refer to the First Supplementary Master Prospectus dated 15 December 2017.


    Application Procedures and Documents required
    Verification of eligibility
    • A copy of MyKad/MyKid and
    • A copy of GMPC (Government Multi Purpose Card) that indicates race or
      A copy of Birth Certificate (that indicates lineage) or
      A copy of Bumiputera's Verification (Sabah or Sarawak) from:
      • Sabah Native Affairs Office (PHEANS)
      • Native Courts of Federal Territory of Labuan (MANWPL)
      • Native Certificate of Sarawak Bumiputera Court (SAN)
    • Citizenship status verification

     

    All copies of the documents must be verified

    Revocation of eligibility
    (for renunciation of citizenship and non-citizenship)
    • Application Letter for Closure and
    • Foreign Passport/Declaration of Renunciation of Malaysian citizenship or
    • Permanent Resident Identity Card (MyPR)/foreign identity card

     

    All documents must be verified

    Verification of documents

    All copies of the document must be certified by ASNB Officer/ASNB Agent Officer/Village Head/Employer Human Resource Division/Government Officers from the Management and Professional Group official stamp, name, position and signature

    Submission of application
    1. Registration
    2. Account registration is available at ASNB branches / agent by bringing together relevant documents

    3. Eligibility closure
    4. Account closure due to citizenship or non-citizenship are available at ASNB branches by bringing together relevant documents

    Additional Information
    1. Eligibility Matrix

    2. Category
      Information from MYKAD
      Descendant
      Malaysian
      Islam
      Supporting Documents
      BumiputeraMalay 
      Sabah Native  
      Sarawak Native  
      Orang Asli
      Mixed Sabah (Sino Native)  
      Mixed Sabah (Others) Letter from PHEANS/ MANWP Labuan
      Mixed Sarawak Sijil Anak Negeri Sarawak

    3. Matrix of Mixed Sabah

    4. Matrix
      Father
      Native
      Sino
      Non-native
      Mother Native EligibleEligibleEligible
      SinoEligibleEligibleEligible
      Non-nativeEligibleEligibleEligible (if submit letter from PHEANS/MANWPL)

      PHEANS = Sabah Native Affairs Office
      MANWPL = Native Court of Federal Territory of Labuan


    5. Matrix of Mixed Sarawak

    6. MatrixFather
      Native Sino
      Mother NativeEligible Eligible (if submit SAN)
      Bukan PeribumiEligibleNot Eligible

      SAN = Native Certificate of Sarawak Bumiputera Court

SUBSCRIPTION
     
  1. Subscription of Investment
  2. ApplicantUnit Holder or Registered Guardian
    Forms and documents required
    • ASNB PT Form - Subscription
    • Identity Card
    • Cash or
    • Cheque/Banker's Draft/Banker's Cheque*
    • ASNB B6 Form and certified copy of DPD for Cash Investments Detailed Statement
    Where to apply ASNB Main Counter Kuala Lumpur, ASNB branches or ASNB agents
    Additional information Additional Cash Investments
    • Application for cash will be processed immediately
    • Additional cash investing is limited to RM 50,000 only in cash per person for all ASNB unit trusts, per day (including Third Party Additional Investments)

    Additional Investment via Check / Bank Draft
    • Investments by check or bank draft or Banker's Check can only be done at ASNB branches only
    • Application by Check / Bank Draft / Banker's Check will be processed based on the date of clearance
     
  3. EPF Members' Investment Scheme
  4.  FAQ
     

    The EPF Members' Investment Scheme is a facility and one investment method for members of the Employees Provident Fund (EPF) to invest in ASNB's unit trusts. The investments are subject to the EPF's terms and conditions and for registered unit holders aged 18 years and over (Akaun Dewasa) and have not reached 55 years of age.

    The available unit trust funds for EPF Members' Investment Scheme are:

    • ASN Equity 2
    • ASN Equity 3
    • ASN Imbang (Mixed Asset Balanced) 1
    • ASN Imbang (Mixed Asset Balanced) 2
    • ASN Sara (Mixed Asset Conservative) 1
    • Amanah Saham 1Malaysia (subject to units availability)
    • Amanah Saham Wawasan 2020 (subject to units availability)
    • Amanah Saham Didik (subject to units availability)
    • Amanah Saham Bumiputera 2 (ASB 2) (subject to units availability)

    Investment through EPF Members' Investment Scheme
    Documents required
    • Members' Investment Withdrawal Application Form - EPF 9N (AHL)
    • Latest EPF Account Statement
    • Original and a copy (front and back in the same sheet of A4 paper) of identification card
    Where to apply
    • ASNB Main Counter Kuala Lumpur
    • ASNB branches

     

    The completed forms can be sent to the Marketing Officer of the nearest ASNB's branches

    Release of EPF Investment
    Applicant

    A unit holder, or the beneficiary, appointed administrator through Administration Letter, may withdraw his EPF contributions under the following schemes:

    • Age 55 Years Withdrawal
    • Death Withdrawal
    • Incapacitation Withdrawal
    • Pensionable Employees Withdrawal
    Documents required Please contact EPF Contact Management Center (CMC) at 03-8922 6000 or visit EPF website at www.kwsp.gov.my for more information.
    Where to apply Application can be sent to the EPF's Headquarter or its nearest branch.
    Additional information
    1. For Death Withdrawal, Incapacitation Withdrawal and Pensionable Employees Withdrawal, units of investments through the EPF scheme will be transferred to the unit holder's passbook after ASNB receives the original Released Letter from the EPF.
    2. For Age 55 Years Withdrawal, ASNB does not require the Release Letter from the EPF. Investment units will be transferred to the unit holder's passbook after ASNB verifies that the unit holder has reached age of 55 years old.
     
  5. Salary Deduction Scheme
  6.  FAQ
     

    The Salary Deduction Scheme SIP (Systematic Investment Plan) is an investment scheme which is available to ASNB's unit holders to make additional investments without the hassle of going to any ASNB branch or agent. The available funds for this facility are ASB, ASW 2020, ASD or any of the funds permitted by ASNB from time to time, subject to the availability of the funds' units.

    SIP is open only to ASNB's registered unit holders who meet the eligibility criteria. The eligibility criteria are as follows:

    • Has the balance of investment units at least the minimum investment limit set for each unit trust fund which offers the SIP facility as stated in the respective Deed.
    • Has a clean account status.
    • Has not reached the maximum amount of investment for ASB, and subject to the availability of units of ASW 2020 and ASD funds.

    Application Procedures and Documents required
    Federal Public Service Officers

    Government employees whose salary payments are managed by the Accounting Office

    Documents required
    • Authorisation Letter for Salary Deduction for Federal Public Service Officers (PPS-ASNB Form) which has been verified by employer/department/payroll unit
    • Copy of identification card which has been verified by the employer/department/payroll unit
    • Copy of ASNB unit trust fund passbook which has been verified by the employer/department/payroll unit
    Where to apply ASNB Main Counter Kuala Lumpur or the nearest ASNB branches

    Unit holders need to submit only one copy of the SIP ASNB form to the nearest ASNB branch for verification before submitting it to the employer/department/payroll unit for further action namely submission to the Accounting Office.

    Private Sector Employees
    Documents required Authorisation Letter for Salary Deduction (PPS-SPG)

    Employers must first be registered with ASNB

    Where to apply The payroll unit of respective employer
    Salary Deduction Facility for Family Members
    Documents required Authorisation Letter for Salary Deduction (PPS-SPG)
    Where to apply ASNB Main Counter Kuala Lumpur or ASNB branches
    Increment/Decrement or Termination of Salary Deduction Scheme
    Private Sector employees Unit holders must inform the payroll unit of respective employer
    Federal Public Service Officers
    • If the salary payment is managed by the Accountant General's Department of Malaysia (JANM), unit holders must inform the employer/department/payroll unit
    • If the salary deduction was made through ANGKASA, unit holders must inform ANGKASA through a letter
    Salary Deduction Facility for Family Members Authorisation Letter for Salary Deduction (PPS-SPG)

     

    Submission of Application
    ASNB Main Counter Kuala Lumpur or the nearest ASNB branch

     
    List of Accountant General's Department of Malaysia & Private Employers registered for the salary deduction scheme
    Forms
    Form filling guidelines
     
  7. Investment Through Financing
  8.  FAQ
     

    An investment certificate is a facility and one investment method introduced by ASNB in addition to making additional investments via an Investment Book. Unit trust funds that offer investment through certificates are:

    • Amanah Saham Bumiputera (ASB)
    • Amanah Saham Nasional (ASN)

     

    Investment through Certificate
    Applicant ASNB Unit Holders
    Documents required Additional Form (ASNB 21 Form)
    Where to apply
    • ASNB Main Counter Kuala Lumpur
    • ASNB branches
    • Selected ASNB agents (Maybank, CIMB, RHB, BSN and Affin Bank)
    Replacement for Damaged/Lost Certificates
    Applicant ASNB Unit Holders
    Documents required
    • Certificate replacement form BS1B
    • Duty stamp RM10
    Where to apply ASNB Main Counter Kuala Lumpur
    Government Hardcore Poor Development Programme Involving ASNB Unit Trust Funds

    This programme is initiated by the Government to help the hardcore poor by utilising unit trust funds that are managed by ASNB as the investment vehicle. Among the funds involved are:

    • Amanah Saham Bumiputera (ASB) for ASB Sejahtera programme

      ASB Sejahtera
    Target group The hardcore poor in the rural area
    Recipient's criteria Breadwinners or
    Single mothers

    * List of names provided by Kementerian Kemajuan Luar Bandar dan Wilayah (KKLW)

    Recipient's eligibility
    • Gross monthly household income is at below the poverty line income
    • Participants have registered in the E-Kasih system
    • Have not received any unit trust fund aid from any agency (PPRT, ASW Bandar, UPEN)
    • Have a total investment in ASB, ASN or any ASNB fund less than RM1,000
    • Not declared bankrupt
    • Malaysian citizen
    Where to apply

    Please contact the Government agencies below

    Kementerian Kemajuan Luar Bandar dan Wilayah (KKLW) - http://www.rurallink.gov.my
    Program SARA 1Malaysia

    Sara 1Malaysia is a special scheme initiated by the Government of Malaysia to encourage the participation of the lower income group to save and invest; apart from to assist them in managing the impact of the rising current cost of living. For more information on SARA 1Malaysia, go to http://www.sara1malaysia.com.my.


     
  9. Internet Banking Facility
  10. logo_maybank
    All ASNB unit holders and registered M2U users
    Investment can be made for 3rd party ASNB accounts
    Add Favourite registration steps for new user
    Additional Investment steps for registered users
    Funds
    ASB, AS 1Malaysia, ASB 2
    Subscription amount
    Minimum: RM1.00

    Maximum:
    ASB: Individual investment eligible limit
    Other funds: Subject to funds availability
    Transaction charges
    RM1.00 + for every single transaction regardless of investment amount

    The charges will be debited from the customer's savings/current account

    Operation Hours
    24 hours 7 days a week
    Transaction validation date in the passbook
    Transaction Time
    12.01 am – 5.00 pm
    5.01 pm – 12.00 midnight

    Validation Date
    Same Day
    Next working day

    Transactions perform on Saturdays, Sundays and Federal Territory Public Holidays will be processed on the next working day

    Updating of passbooks
    ASNB Main Counter Kuala Lumpur & ASNB branches
    ASNB Agents (CIMB/RHB/MBB/POS)
    Inquiries
    1-300-88-6688 (24 hours)
    logo_cimb
    All ASNB unit holders and registered CIMB Clicks users
    Investment can be made for 3rd party ASNB accounts
    Add Favourite registration steps for new user
    Additional Investment steps for registered users
    Funds
    ASB, AS 1Malaysia, ASB 2, ASD, ASW 2020, ASM
    Subscription amount
    Minimum: RM1.00

    Maximum:
    ASB: Individual investment eligible limit
    Other funds: Subject to funds availability
    Transaction charges
    RM1.00 + for every single transaction regardless of investment amount

    The charges will be debited from the customer's savings/current account

    Operation Hours
    24 hours 7 days a week
    Transaction validation date in the passbook
    Transaction Time
    12.01 am – 5.00 pm
    5.01 pm – 12.00 midnight

    Validation Date
    Same Day
    Next working day

    Transactions perform on Saturdays, Sundays and Federal Territory Public Holidays will be processed on the next working day

    Updating of passbooks
    ASNB Main Counter Kuala Lumpur & ASNB branches
    ASNB Agents (CIMB/RHB/MBB/POS)
    Inquiries
    1-300-88-6688 (24 hours)
    logo_affin
    All ASNB unit holders and registered affinonline users
    Investment can be made for 3rd party ASNB accounts
    Add Favourite registration steps for new user
    Additional Investment steps for registered users
    Funds
    ASB, AS 1Malaysia, ASB 2
    Subscription amount
    Minimum: RM1.00

    Maximum:
    ASB: Individual investment eligible limit
    Other funds: Subject to funds availability
    Transaction charges
    RM1.00 + for every single transaction regardless of investment amount

    The charges will be debited from the customer's savings/current account

    Operation Hours
    24 hours 7 days a week
    Transaction validation date in the passbook
    Transaction Time
    12.01 am – 4.00 pm
    4.01 pm – 12.00 am

    Validation Date
    Same Day
    Next working day

    Transactions perform on Saturdays, Sundays and Federal Territory Public Holidays will be processed on the next working day

    Updating of passbooks
    ASNB Main Counter Kuala Lumpur & ASNB branches
    ASNB Agents (CIMB/RHB/MBB/POS)
    Inquiries
    03-5522-3000
    during office hours

    03-7803-2836
    after office hours
    logo_rhb
    All ASNB unit holders and registered RHBNow users
    Investment can be made for 3rd party ASNB accounts
    Add Favourite registration steps for new user
    Additional Investment steps for registered users
    Funds
    ASB, AS 1Malaysia, ASB 2, ASD, ASW 2020, ASM
    Subscription amount
    Minimum: RM1.00

    Maximum:
    ASB: Individual investment eligible limit
    Other funds: Subject to funds availability
    Transaction charges
    RM1.00 + for every single transaction regardless of investment amount

    The charges will be debited from the customer's savings/current account

    Operation Hours
    12.30 am – 4.30 pm

    Federal Territory working days only

    Transaction validation date in the passbook
    Transaction Time
    12.30 am – 4.30 pm

    Validation Date
    Same Day
    Updating of passbooks
    ASNB Main Counter Kuala Lumpur & ASNB branches
    ASNB Agents (CIMB/RHB/MBB/POS)
    Inquiries
    03-9206-8228
REDEMPTION
     
  1. Redemption of Investment
  2. Type of redemption Redemption via Investment Book
    Applicant Unit Holder or Registered Guardian
    Documents required
    • ASNB JB Form - Jualan Balik
    • Investment Book
    • Identity Card of Unit Holder/Registered Guardian
    Where to apply Redemption is available at ASNB Main Counter Kuala Lumpur, ASNB branches and ASNB Agents
    Additional information
    • A Minor with ASB (Amanah Saham Bumiputera) Account is allowed to redeem 200 units a week
    • Redemption for Minor Account of ASW 2020, ASM, ASD, ASN Imbang 2, ASN Equity 3 and ASN Sara 1 can be made only by the Registered Guardian
    • Application for redemption by third party is not allowed
     
  3. Redemption of Certificates
  4. Type of redemption Redemption with Investment Certificate (Normal status)
    Applicant ASNB Unit Holders
    Documents required
    • Original Investment Certificate (Please ensure the "Redemption" section at the back of the certificate is completed, signed and fingerprinted with the unit holder's left thumb)
    • A copy of the identification card/valid international passport which has been certified as true copy
    Where to apply Application through investment certificate is available at ASNB Main Counter Kuala Lumpur and ASNB branches only
     
  5. Redemption of Investment by Overseas Unit Holder Via Telegraphic Transfer
  6. Applicant Unit holder
    Forms and documents required
    • ASNB JB Form - Jualan Balik
    • Investment Book
    • Investment Certificate (for redemption with investment certificate, unit holder must sign and thumb print at the back of the certificate)
    • Photocopy of Identity Card/International Passport (valid and duly certified true copy)
    • Instruction via Letter which specifies the following:
      • Unit holder's account number
      • Bank sort code/Swift Code (for overseas bank account)
      • Type of currency needed
      • Name and address of the receiving bank
      • Unit holder's name as per the bank's account
      • Bank statement - photocopy
    Where to apply ASNB Main Counter Kuala Lumpur only
    Additional information
    • Payment will be made via Telegraphic Transfer to the unitholder's bank's account (service charge is deductible from the withdrawals).
    • If the application is made by the representative of the unit holder and not via postage, the full name and IC no of the representative must be stated in the instruction letter by the unit holder.
     
  7. Redemption of EPF Investment
  8. Applicant Members of EPF who are registered ASNB unit holders
    Documents required
    • Redemption Form (ASNB JB)

      Please fill in a separate form for redemption of every investment through EPF

    • Original and copy of identity card (front and back copy in the same A4 sheet)
    Where to apply Submission can only be sent to ASNB Main Counter Kuala Lumpur and ASNB branches only
ESTATE CLAIMS

This is a guide for the beneficiary on how to redeem the investment balance of a deceased unit holder's ASNB unit trust funds.

     
  1. Estate Claims
  2.  FAQ
     
    Category of Assets and Letters of Administration involved in managing distribution of estate
    • Moveable assets not exceeding RM600,000 - Letter of Instruction/Statutory Declaration from Amanah Raya Berhad
    • Movable and immovable assets not exceeding RM2 million - Distribution Orders from the Department of Director General of Lands and Mines
    • Movable and immovable assets more than RM2 million - Letters of Administration from the Civil High Court
    • Assets under Hibah - Shariah High Court
    Institutions involved in the distribution of estate in Sabah and Sarawak
    • Letters of Administration from the Native Court
    • Letters of Administration from Shariah Subordinate/High Court
    • Letters of Administration from the Civil High Court
    Category of Estate Claims in ASNB
    • Total accumulated investment of RM10,000 and below
    • Total accumulated investment of more than RM10,000
    Beneficiaries who are entitled to claim the investment balance of a deceased in ASNB
    • Husband or wife or
    • Mother or father or
    • Biological child or
    • Siblings or
    • Grandfather or grandmother or
    • The beneficiary or administrator as stated in the Grant of Probate/Letters of Administration or Executor
    Application Procedures and Documents Required
    Documents required

    Total accumulated investment of RM10,000 and below

    • Investment Unit Claim Form (T1 Form)
    • Photocopy of Death Certificate
    • Photocopy of Identity Card of the beneficiary/administrator/executor
    • Investment book or certificate of the deceased (if any)
    • Any one of the following documents:
      1. Marriage Certificate or Extract of Marriage Certificate
      2. Birth Certificate
      3. Pension Card
      4. Faraid Certificate
      5. Any official document proving relationship from:
        1. Department of Orang Asli Development
        2. National Registration Department
        3. Islamic Affairs Office
        4. Sabah/Sarawak Native Court

    Total Accumulated Investment Exceeding RM10,000

    • Investment Unit Claim Form (T1 Form)
    • Photocopy of Death Certificate
    • Photocopy of Identity Card of the beneficiary/administrator/ executor
    • Investment book or certificate of the deceased (if any)
    • Any one of the following documents:
      1. Letters of Administration/Grant of Probate from the Civil High Court
      2. Letter of Instruction/Statutory Declaration from Amanah Raya Berhad
      3. Small Estate Distribution Order from the Department of Director General of Land and Mines
      4. Letters of Administration from the Sabah/Sarawak Native Court
      5. Letters of Administration from Shariah Subordinate/ High Court Sabah/Sarawak
      6. Order from the Shariah High Court declaring the deceased's assets as "Hibah"
    Verification of documents

    All photocopies of documents must be certified as true copies of the original by:

    • The ASNB officer/ASNB agent's officer/village head/head of the Human Resources Dept/Government officials from the management and professional group together with the official stamp, name, designation and signature
    • Letters of Administration/Grant of Probate and asset list from the Civil High Court must be certified by the Registrar of the Court who issues the order
    Additional information

    Statutory Declaration and Letter of Guarantee and Indemnity Sections of the T1 Form

    • Please fill in the space provided by stating the difference in the information (if any) between the ASNB system and documents submitted
    • Affix a RM10 stamp duty and get it cancelled by the Commissioner of Oaths or the LHDN office
    • The administrator/beneficiary/executor has to sign and thumbprint it with his left hand thumb on the required field
    • Need to be signed together with the name of The Statutory Declaration and Letter of Guarantee and Indemnity and official stamp by the Judge Court, Magistrate or Commissioner of Oaths
    Where to apply Application can be made at ASNB Main Counter Kuala Lumpur and ASNB branches only
    Submission of application
    1. The beneficiary can visit any ASNB branch for more information on beneficiary estate claims
    2. The beneficiary must fill in and complete the Investment Unit Claim Form (T1 Form)
      1. Part A - The beneficiary needs to fill in details on the deceased
      2. Part B1 - The beneficiary needs to fill in his details (if the application has more than one beneficiary please fill in Part B2)
      3. Part C (Filled by the same beneficiary in Part B1)
        • Complete the space provided should there be any difference in the information between the documents and ASNB system
        • Fill in and sign at the space provided in Section C2 in front of the Session Court Judge, Magistrate or Commissioner of Oaths
        • Affix a stamp duty of RM10 and get it cancelled at the LHDN or by Commissioner of Oaths
        • The "Di hadapan Saya" column must be filled by a Judge of the Session Court, Magistrate or Commissioner of Oaths
    3. The completed form together with the original and photocopy documents need to be submitted to any ASNB branch
    4. The documents will be verified by the ASNB branch officer
    5. The beneficiary will be given an Acknowledgement of Receipt of Documents (BS5) as an evidence that the documents have been received.
    Forms
logo_HA ESTATE PLANNING logo_PA
     
  1. Hibah Amanah
  2.  FAQ
     

    "Hibah" is defined as a grant or gift which involves a contract (akad) that involves granting ownership by the Donor to someone voluntarily during his lifetime on the basis of love without expecting anything in return ('iwad). Hibah Amanah is a combination of the "hibah" and trust concepts. It is a gift in the form of ASNB unit trust fund from the Unit Holder (Donor) to his loved ones during his lifetime based on the terms and conditions stated in the Hibah Deed.


    Eligibility Requirements Hibah Donor/Applicant
    • Muslim
    • Malaysian
    • Age 18 years and above
    • ASNB unit holder
    • Not a bankrupt
    • Sound mind
    Hibah Donee(s)
    • No age limit (Guardian must be appointed for Donee(s) under 18 years old)
    • Open to Malaysian and non-Malaysian
    • Open to all religions
    Application Procedures and Documents Required
    Documents required

    Registration

    • Application form (PH1A)
    • One original copy of Power of Attorney
    • Original and certified photocopy of Donor's identification document
    • Certified photocopy of Donee(s)'s identification document
    • Certified photocopy of non-Malaysian Donee(s)'s passport or identification document from country of origin
    • Certified photocopy of the Guardian's identification document for Donee(s) under 18 years old
    • Certified copy of attestor/witness identification document

      * Copies of documents are to be certified by qualified officer officer or ASNB Registered Agents


    Revocation

    • Revocation form (PH4A)
    • Original and certified photocopy of Applicant’s identification document certified by qualified officer or ASNB Registered Agents
    • Letter of Donee consent on return of asset to Donor

      Revocation of Hibah Amanah is allowed only if it involves biological child and grandchild


    Change of Hibah Donee(s)/Registered Guardian

    • Change Donee(s) form (PH2A)
    • Photocopy of the Donee(s)/Guardian's identification document certified by qualified officer or ASNB Registered Agents
    • Photocopy of original registered deed

    Change of Hibah Donee/Registered Guardian particulars

    • Particular change form (PH3)
    • Photocopy of the Donee(s)/Guardian's identification document certified by qualified officer or ASNB Registered Agents

    Claim

    • Claim form (PH6)
    • Original and certified photocopy of Death Certificate of the Donor
    • Original and certified photocopy of identification document of the Donee(s) or Guardian of Donee(s)
    • Copy of Passbook (if applicable)
    Certify supporting documents

    Documents can be certified by:

    • ASNB Officer/ASNB Agent
    • Headman/village head (including the Community Leader/Tuai Rumah for Sabah and Sarawak)
    • Orang Asli Affairs officers
    • Human Resource officers
    • Government Officials from the professional and management group
    Submission of application

    Hibah Amanah Registration

    1. Print the PH1A form and one original copy of Power of Attorney from the ASNB website
    2. Complete the PH1A form and one original copy Power of Attorney
    3. Submit the completed form, certified supporting documents and Power of Attorney to any ASNB branch

    Hibah Amanah Claim

    1. Obtain PH6 form from any ASNB branch
    2. Submit the PH6 form, Death Certificate of the Donor, original and certified photocopy of the identification document of the claimant
    3. Payment is via unit trust fund transfer. However payment via bank transfer is available if Hibah Donee is not eligible to register as ASNB unit holder
    Where to submit application Application can be submitted to any ASNB branches
    Additional information Hibah Amanah Fee*
    NoType of FeeFee (RM)
    1RegistrationRM180
    2Additional registrationRM90
    3RevocationRM70
    4Change of Donee/Registered Guardian/addition of new fundRM20
    5AdministrationRM10 annually
    6ClaimBalance of Investment (RM)Rate (%)
    First 25,0001.5%
    The next 225,0001.00%
    The next 250,0000.50%
    The next 500,0000.25%
    The remaining balance0.10%
    Forms

     
  3. Trust Declaration
  4.  FAQ
     

    Trust Declaration is a service that incorporates the concept of trust in estate management. The concept of Trust Declaration applied in ASNB includes the following:

    • The Donor entrusts his unit trust fund based on love during his lifetime
    • The unit holder declares the establishment of a trust in the appointment of the Donee(s) through an agreement signed via the Trust Deed, subject to the terms and conditions agreed
    • The Trust Asset will be administered by the Trustee before being distributed to the Donee(s) after the death of the Donor, according to the terms and conditions of the Trust Deed agreed by both parties

    Eligibility Requirements Donor/Applicant
    • Non-Muslim
    • Malaysian
    • Age 18 years and above
    • ASNB unit holder
    • Not a bankrupt
    • Sound mind
    Donee(s)
    • No age limit (Guardian must be appointed for Donee(s) under 18 years old)
    • The Donee(s) will be the absolute owner of the Trust asset
    • Malaysian and non-Malaysian
    • All religions
    Application Procedures and Documents Required
    Documents required

    Registration

    • Application form (PH1B)
    • One original copy of Power of Attorney
    • Original and photocopy of Donor's identification document
    • Photocopy of Donee(s) identification document
    • Certified photocopy of non-Malaysian Donee(s)'s passport or identification document from the country of origin
    • Certified photocopy of the Guardian's identification document for Donee(s) under 18 years old
    • Copy of attestors/witness identification document

      * Copies of documents are to be certified by qualified officer or ASNB Registered Agents


    Revocation

    • Revocation form (PH4B)
    • Original and certified photocopy of Applicant's identification document
    • Two original copies of power of Attorney for revocation certified by qualified officer or ASNB Registered Agents

    Change of Donee(s)/Registered Guardian/percentage

    • Change Donee(s) form (PH2B)
    • Photocopy of Donee(s)/Guardian's identification document certified by qualified officer or ASNB Registered Agents
    • Photocopy of original registered deed

    Change of Donee(s)/Registered Guardian particulars

    • Particular change form (PH3)
    • Photocopy of Donee(s)/Guardian's identification document and certified by qualified officer of ASNB Registered Agents

    Trust Declaration Claim

    • Obtain PH6 form from any ASNB branch
    • Submit the PH6 form, Death Certificate of the Donor, original and certified photocopy of the identification document of the claimant
    • Payment is via unit trust fund transfer. However, payment via bank transfer is available if Donee is not eligible to register as ASNB unit holder
    Certify supporting documents

    Documents can be certified by:

    • ASNB Officer/ASNB Agent
    • Headman/village head (including the Community Leader/Tuai Rumah for Sabah and Sarawak)
    • Orang Asli Affairs officers
    • Human Resources officers
    • Government officials from the professional management group
    Submission of application

    Trust Declaration registration

    1. Print the PH1B form and one original copy of the Power of Attorney from ASNB website
    2. Complete the PH1B form and one original copy of Power of Attorney
    3. Submit the completed form, certified supporting documents and Power of Attorney to any ASNB branch

    Trust Declaration Claim

    1. Obtain the PH6 form from any ASNB branch
    2. Submit the PH6 form, Death Certificate of the Donor, original and certified photocopy identification document of the claimant at any ASNB branch
    3. Payment is via unit trust fund transfer. However payment via bank transfer is available if Donee is not eligible to register as ASNB unit holder
    Where to submit application Application can be submitted to any ASNB branches
    Additional information Trust Declaration Fee*
    NoType of FeeFee (RM)
    1RegistrationRM180
    2Additional registrationRM90
    3RevocationRM70
    4Change of Donee/Registered Guardian/addition of new fundRM20
    5AdministrationRM10 annually
    6ClaimBalance of Investment (RM)Rate (%)
    First 25,0001.5%
    The next 225,0001.00%
    The next 250,0000.50%
    The next 500,0000.25%
    The remaining balance0.10%
    Forms

OTHER SERVICES
     
  1. Application of Detailed Statement
  2.  FAQ
     

    Application of a detailed statement is one of the services provided to unit holders/beneficiaries/third parties if they require a detailed transaction information of each unit trust fund in ASNB for a certain period of time.

    The application is for personal use and reference only. Unit holders are prohibited from making and distributing official claim against any party.

    Without prejudice, the data and information published is strictly confidential and solely for unit holders' reference and cannot be used for court proceedings and other purposes. Unit holders are prohibited from making and distributing official claim against any party using the data and information. ASNB will not be liable for any claim of any party related to the offence of spreading transactional and information provided.

    Type of Application and the Allowable Period of Transaction
    NoType of ApplicationPeriod of Information
    1Application of Transactional InformationUp to 7 years back from the application date
    2A detailed calculation of income distribution and bonus
    3Application of income distribution and bonusUp to 3 years back from the application date
    Categories of Applicant Who Are Eligible To Apply
    NoApplicant
    1Unit Holder/Registered Guardian
    2Representative Appointed by the Unit Holder/Registered Guardian through the Power of Attorney Letter
    3Beneficiary/Administrator for a Deceased Unit Holder
    4Appointed Lawyer for the Deceased Unit Holder
    5Third Party (Individual) Appointed Through Lawyer
    Application Procedures: Conditions and Documents Required
    1. Beneficiary/Administrator for a deceased unit holder

    2. Type of Application The deceased (the Unit Holder)'s overall holding in all ASNB unit trust funds exceeds 10,000 units
      Conditions/Documents Application can be made before and after the payment made to the Beneficiary/Administrator. The applicant's name must appear on the following supporting documents:
      • Letters of Administration or
      • Grant of Probate or
      • Court Order
    3. Application from a Beneficiary/Administrator for a deceased unit holder

    4. Type of Application The unit holder's overall investment holding in ASNB unit trust funds is 10,000 units and below Claim by the Beneficiary/Administrator
      Conditions/Documents

      Application can only be made by the Beneficiary/Administrator who has received the payment units

      or

      Application can only be made if the Beneficiary/Administrator is included in the following documents:

      • Letters of administration or
      • Grant of Probate or
      • Court Order
      Application can be made before and after the payment has made to the Beneficiary/Administrator if:
      • Have an official letter from the Lands Administrator/Assistant Land Administrator or
      • On the instruction of the relevant Authorities in the Small Estates (Distribution) Act 1955
    5. Application From Third Party

    6. Type of Application Application from a third party Application from a Representative who is given the permission by the unit holder
      Conditions/Documents

      Application can be made if the unit holder is still alive or has passed away

      Supporting documents:

      • Court Order
        and
      • Relationship document (if related)
      • Lawyer appointment letter (if appoint a lawyer*)

       

      * Application Through Appointment of Lawyer

      1. The Appointment of Attorney letter should be signed by the applicant
      2. The Appointment of Attorney letter should clearly list the following information:
        • Lawyer's client and a photocopy of Lawyer's client identification document which has been certified
        • ASNB Unit Holder's information which is related for the application of the detailed statement namely
          1. Identification card number
          2. Unit holder name
          3. Scheme/unit trust fund required
          4. The period of time of the information required
      3. Relationship document to prove the relationship between the unit holder and the third party (if applicable)

      Application can be made by the Representative with the permission from the unit holder

      Supporting Documents:

      • Original copy of the Representative's identification document
      • Photocopy of the Unit Holder/Registered Guardian identification document
      • Photocopy of the front page of the Investment Book of the Unit Holder/ Registered Guardian
      • Representative Authorisation Form – ASNB B/6 form to be completed by the Unit Holder/Registered Guardian
    Application Procedures and Documents Required

    Each application of a unit trust fund detailed statement must be completed by using a separate application form.

    All documents must be certified as true copy by an ASNB officer/ASNB agent's officer/head village/employer of the human resources division of an employer/Government officials from the management and professional group together with their official stamp, name, title and signature.

    Applicant Unit Holder/Registered Guardian Beneficiary/Administrator/Lawyer/Third Party
    Documents required
    • Complete the application form for the detailed statement
    • Attach a photocopy of identification document which has been certified
    • Make a service charge payment according to the type of application, number of years applied and the unit trust funds separately
    • Complete the application form for the detailed statement
    • Submit the Power of Attorney Letter/Grant of Probate/Court Order
    • Submit the Appointment of Attorney letter (If a lawyer is appointed)
    • Submit the Representative Authorisation Form/Power of Attorney Letter
    • Make the service charge payment according to the type of application, number of years applied, and the unit trust funds separately
    Where to apply Request for a detailed statement can be done at the nearest ASNB branch
    Additional information
    Service Charges

    Each application will be charged with service charge according to the type of application, the period of time for the requested detailed statement. The Service charges are as follows:

    Type of Application Transactional Data Detailed Computation of Income Distribution and Bonus (If Applicable) Income Distribution and Bonus Statement (If Applicable)
    Service Charges
    1. Current Year
      No charges apply
    2. Other Than The Current Year
      RM22.00 per application
    RM5.00 for each year RM5.00 for each year
    Period of the Requested Document Permitted for the latest 7 years from the application date Permitted for the latest 7 years from the application date Permitted for the latest 3 years from the application date
    Forms
     
  3. Change of Particulars
  4.  FAQ
     

    An application for change of particulars is one of the non-financial services in ASNB provided to give the facility to the Unit Holder/Registered Guardian to update personal information for the ASNB record.

    An application for change of particulars can be made at the ASNB Main Counter Kuala Lumpur, ASNB branches and ASNB agents.

    Category of Application
    NoCategory of ApplicationDescription
    1Correction on identification card number/name of the Unit Holder/Registered GuardianTo update errors on personal details during registration
    2Change of identification card number of the Unit Holder/Registered GuardianChanging of identification card number
    From To
    Old IC No.New IC No.
    Military/Police IC No.New IC No.
    Birth Certificate No.New IC No.
    3Changing of name of the Unit Holder/Registered Guardian
    • Changing of name due to conversion to Islam
    • Changing of name with the confirmation letter from the National Registration Department
    4Changing of personal details of Unit Holder To update personal details:
    • Address
    • Telephone No.
    • Handphone No.
    • Email
    • Occupation
    Application Procedures and Documents Required
    Applicant
    • Application for change of particular is limited to applications by Unit Holders and Registered Guardians only
    • Every application for change of particulars for each unit trust fund needs separate application form
    • All documents must be certified true copy by either an ASNB officer/ ASNB Agent officer/head village/ employer of the Human Resources Division/ Government officials from the management and professional group together with their official stamp, name, title and signature
    • Application for Akaun Bijak/Akaun Remaja must be made by the Registered Guardian
    • Application for change of particulars can be made at ASNB Main Counter Kuala Lumpur, ASNB Branches and ASNB Agents
    Documents required The required identification documents are:
    1. MyKad/MyTentera/MyKid
    2. Birth Certificate
    3. Police Certificate of Appointment
    4. Temporary identification document KPPK 09
    5. Temporary identification document KPPK 11

    NoCategoryDescription
    1 Correction on identification card number/name of Unit Holder/Registered Guardian
    • Unit Holder Information Update Form (ASNB KM) or CIF Confirmation Print Out (CCPO)
    • Original and photocopy of identification document which has been certified as true copy
    2 Change of identification number of Unit Holder/Registered Guardian
    • Unit Holder Information Update Form (ASNB KM) or CIF Confirmation Print Out (CCPO)
    • Original and photocopy of identification document which has been certified as true copy
    • Original and photocopy of Birth Certificate which has been certified as true copy (for change of birth certificate number to identification card number)
    • Employer confirmation letter in regard to public IC No. and military/police IC No. (if applicable)
    • Employer confirmation letter in regard to the old military/police IC No. to new military/police IC No. (if applicable)
    • A photocopy of the confirmation letter from the National Registration Department (if applicable)
    3 Change of name of the Unit Holder/Registered Guardian
    • Unit Holder Information Update Form (ASNB KM) or CIF Confirmation Print Out (CCPO)
    • Original and photocopy of identification document which has been certified as true copy
    • Photocopy of the confirmation letter from the National Registration Department (if applicable)
    • Photocopy of the confirmation letter from the Islamic Religious Department (if applicable)
    • Original and photocopy of Conversion to Islam Certificate Card which has been certified
    4 Change of Unit Holder's address Unit Holder Information Update Form (ASNB KM)
    Verification of documents All documents must be certified true copy by an ASNB officer/ASNB agent's officer/head village/employer of the human resources division of an employer/Government officials from the management and professional group together with their official stamp, name, title and signature
    Where to apply Application for a detailed statement can be done at ASNB Main Counter Kuala Lumpur, ASNB branches and ASNB agents
     
  5. Others
LIST OF SERVICE CHARGE

Effective from 1st September 2008, followings are Charge Rates of ASNB's Services:

NoServiceCharge Rate (subject to GST charge to 6%)
1Reactivate accountRM5.00
2 Beneficiary claims of deceased/insane unit holder's Accounts:
  • Investment balance less than 100 units
  • Investment balance more than 100 units
 
  • RM1.00
  • RM5.00
3Cheque transfer under authority claimsRM10.00
4 Request of cheque payment image  
  • For application less than one year from cheque issuance date
  • RM10.00 per cheque image
  • For application more than one year from cheque issuance date
  • RM20.00 per cheque image
5Re-printing of income distribution statement or detail calculation of income distributionRM5.00 per year
6Historical transaction details
  • There is no charge for the current year
  • RM22.00 per application for the period other than the current year
7Confirmation of investment balancesRM10.00
8Confirmation of certificate statusRM10.00 per certificate
ASNB FORMS
LEARNING CENTRE
  1. What is Unit Trust Fund
  2. A unit trust is a collective investment scheme which pools the savings of the public into a special unit trust fund managed actively by professional fund managers. A unit trust fund is constituted pursuant to a deed executed by the trustee and the manager on behalf of unitholders. The Deed is registered with the Securities Commission and sets out the rights of you as a unitholder and the responsibilities and liabilities of the trustee and the manager.

    The unit trust fund will invest in equities, fixed income securities and other assets authorised under the Guidelines. We are required to comply with the requirements on Unit Trust Fund Deed, the Capital Market and Services Act, 2007, the Guidelines and other relevant laws when managing the unit trust fund. An independent auditor is appointed to prepare and audit the accounts of the unit trust fund each year.


  3. How Unit Trust Fund Works
  4. proses


  5. Benefits of investing in unit trust funds
    1. Diversification
    2. The spreading of risks over a wide variety of securities in different sectors. Normally to do this, investors need a substantial amount of money to buy a diversity of stocks. However, unit trust funds facilitate this by providing small investors with an opportunity to pool their savings to invest in a diversified portfolio of investment. Investment risk is spread or diversified among a large number of securities or other assets.

    3. Professional Management
    4. Access to professional investment managers, which is not generally available to the individual investor with a small amount of money to invest, or if the individual investor invests in fixed-deposits or makes direct investment in the stock market.

    5. Convenience
    6. Simplification of and savings in administration of buying, selling and holding investment as compared with you holding a portfolio of investment on the capital market yourself.

    7. Liquidity
    8. You may redeem all or part of your units on any Business Day.

    9. Affordability
    10. You only need a small amount of money to participate in a professionally managed portfolio of investment and enjoy the same benefits accorded to others when investing in high-priced securities. At the same time, you can also obtain returns from a portfolio of investment as opposed to the limited number of securities when one invests in the market directly.


  6. Risk associated with unit trust funds
    • General Risk
      1. Fund Management Risk
      2. The selection of securities which make up the assets of the trust is a subjective process. Securities selected by the investment manager may perform better or worse than the overall stock market, or as compared to portfolios selected by their competitors.

      3. Compliance Risk
      4. Non-compliance to rules imposed by the Capital Market and Services Act, 2007, the Guidelines on Unit Trust Funds and internal controls and policies may affect the investors' money.

      5. Liquidity Risk
      6. Where the funds invest in bonds, the funds are exposed to liquidity risk given the fact that the Malaysian bond market is not as liquid as the share market. As a result, it may not always be possible to immediately sell or buy fixed income securities at the prevailing market price. In addition, this may affect the ability of the fund to honour request for redemption or to pay back investors money after the trust has been terminated.

      7. Inflation/ Purchasing Power Risk
      8. Inflation is one of the major risks to investors over the long term as it causes uncertainty over the future value of the investments. In an inflationary environment, a return on investment which is lower than the inflation rate will reduce the value of the investment.

      9. Loan Financing Risk
      10. Investing in a unit trust fund using borrowed money is more risky than investing by using your own money. Since unit trust funds invest in equities and other capital market instruments, the value of units will fluctuate accordingly with the underlying portfolio, and investors may find themselves faced with the scenario of being forced to provide additional money to top up on their loan margins when the market falls, or incur a higher financing cost when interest rates trend upwards. The above events increase the potential of capital loss.

    • Investment Risk
      1. Capital Market Risk
      2. Investors should note that unit trust fund is subject to the volatility of the capital market, which includes stock market and other securities market. The capital market is influenced by certain factors such as economic growth, movement in interest rates, overseas capital market performances and fiscal policies of the respective countries.

        Performance of a unit trust fund, which invests heavily in equities, will be affected by the performance of the economic growth, overseas stock market performances and the respective fiscal policies in these markets.

        Performance of a unit trust fund which invests heavily in fixed income securities will be affected by the movement of interest rates and fiscal policies.

      3. Specific Risk or Stock Risk
      4. Specific risk or stock risk is the portion of risk which is unique to the company that issues the securities. Specific risk can be associated with management errors, shift in consumer taste, advertising campaign, lawsuits and competitive industry conditions.


  7. Who Usually Invest in Unit Trust Funds
  8. Unit trust funds are promoted as a long-term investment instrument. It is also a form of indirect mechanism for participating in capital market instruments. Generally, investment in unit trust funds carries a relatively lower risk-return profile, hence would appeal to you if you are a conservative investor with a long-term investment horizon and who lacks the time and skill to directly participate and monitor the investments in the various capital market instruments.


  9. Fees and Charges
  10. In investing in unit trust funds, you must understand that there are fees and charges that are directly or indirectly charged to you. The direct charges incurred by you when buying and selling of units are the initial service charge or sales charge, redemption fee or repurchase fee and service charge on investment through the EPF Members' Investment Scheme.

    In administering the unit trust fund, there are fees and charges incurred by the unit trust fund, such as the Management fees, the Trustee's fees, the Auditors' remuneration and other relevant professional fees, costs, charges and expenses in the printing and distribution of annual reports and distribution vouchers to you, as well as expenses which are directly related to and necessary for the business of the unit trust fund.

    You are advised to consider the fees and charges before investing.


  11. Regulatory Framework of Unit Trust Funds in Malaysia
  12. The establishment and operation of unit trust funds is governed by the Capital Market and Services Act, 2007, and the Guidelines, and administered by the Securities Commission which is the regulatory body of unit trust funds in Malaysia. The law requires, amongst others, that the trust deed be registered and that the appointment of the manager, trustee, investment manager, manager's directors, chief executive officer, the investment committee members and the syariah committee members be approved by the Securities Commission.


  13. How To Measure the Performance of a Unit Trust Fund
  14. In measuring a Fund's performance, an investor should understand the basic definitions of Fund returns.

    1. Total Returns
    2. The change in a Fund's Net Asset Value (NAV) over time, assuming that income distribution are reinvested and that there are no purchases or redemptions made during the period.

    3. Average Annual Total Return
    4. The Total Return for the period divided by the number of years under review.

    5. Distribution Yield (for fixed-price Funds)
    6. The income distribution divided by the Fund's price, which is fixed at RM1.00 per unit.

    7. Performance Benchmark
    8. Although the past performance of a fund is not indicative of its future performance, it is useful to compare the fund's performance to its benchmark and other funds with similar investment objectives. The use of an appropriate benchmark that fits a Fund's investment objectives or asset classes can be extremely useful. This is because different asset classes perform differently following changing market conditions. For instance, an equity fund which primarily invests in Malaysian equities would be appropriately benchmarked against the Kuala Lumpur Composite Index (KLCI) or any Bursa Malaysia indices, while a balanced fund would be appropriately benchmarked against a composition of asset classes, for example, 50:50 between KLCI and 3-month Kuala Lumpur Interbank Offered Rate. When selecting a Fund, an investor should be looking for a fund which have consistently outperformed its benchmark or competitors.


  15. Comparison with other Forms of Investments
  16. All investments carry some form of risk-return trade off. In general, risk and return comparison for the various investments may be summarised as follows:

      Types of Investment Risk Level Expected Return Level
    1. Financial derivative products High High
    2. Investment in shares icon_arrow icon_arrow
    3. Real property
    4. Unit trust
    5. Fixed deposit
    6. Cash Low Low
FINANCIAL HEALTH CHECK
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