RM100
Minimum to start
0.3% p.a.
Wrap fee. No sales charge.
4× a year
Income distribution, when available
Harus
Shariah-permissible, by the National Fatwa Committee
SC licensed
Digital Investment Management framework
Why Ria
Investing, handled for you.
Ria is the robo-advisor inside the myASNB app. Six reasons Malaysians let it run their portfolio.
Robo (Ria) feature
A feature in the myASNB app that automates your investment through innovative technology.
Made just for you
Personalised advice that fits your investment goals and your appetite for risk.
Always on hand
Invest whenever and wherever. No queue, no travel.
Easy and convenient
A simple way to invest. You do not need to be a financial genius.
Efficient wealth management
Your money is handled wisely and grows steadily, guided by market data.
Save on costs
Pay less, invest digitally and keep more of your profits.
Portfolios
Built around your risk tolerance.
Answer a few risk-profiling questions. Ria recommends a portfolio that matches your profile, then invests your money into the selected funds automatically.
Pick a risk profile
Very Conservative
Risk level 1 of 6
ASN Equity Global
Global equity
2%
ASN Equity Malaysia
Malaysian equity
2%
ASN Sukuk
Sukuk
95%
Cash
Liquidity
1%
Return since launch
+7.16%
to 30 Sep 2026, after fees
Moderately Conservative
Risk level 2 of 6
ASN Equity Global
Global equity
15%
ASN Equity Malaysia
Malaysian equity
10%
ASN Sukuk
Sukuk
74%
Cash
Liquidity
1%
Return since launch
+13.84%
to 30 Sep 2026, after fees
Moderate
Risk level 3 of 6
ASN Equity Global
Global equity
24%
ASN Equity Malaysia
Malaysian equity
17%
ASN Sukuk
Sukuk
58%
Cash
Liquidity
1%
Return since launch
+19.37%
to 30 Sep 2026, after fees
Moderately Aggressive
Risk level 4 of 6
ASN Equity Global
Global equity
34%
ASN Equity Malaysia
Malaysian equity
23%
ASN Sukuk
Sukuk
42%
Cash
Liquidity
1%
Return since launch
+25.13%
to 30 Sep 2026, after fees
Aggressive
Risk level 5 of 6
ASN Equity Global
Global equity
44%
ASN Equity Malaysia
Malaysian equity
29%
ASN Sukuk
Sukuk
26%
Cash
Liquidity
1%
Return since launch
+30.23%
to 30 Sep 2026, after fees
Very Aggressive
Risk level 6 of 6
ASN Equity Global
Global equity
52%
ASN Equity Malaysia
Malaysian equity
35%
ASN Sukuk
Sukuk
12%
Cash
Liquidity
1%
Return since launch
+32.82%
to 30 Sep 2026, after fees
Allocation per risk profile as published by ASNB. Your final allocation is shown in the myASNB app before you confirm.
Latest price
ASNB unit trust prices.
Net asset value (NAV) per unit of the three ASNB funds that make up every Ria portfolio.
ASN Equity Global
Global equity
RM 1.2929
NAV per unit
ASN Equity Malaysia
Malaysian equity
RM 1.7778
NAV per unit
ASN Sukuk
Sukuk
RM 0.9956
NAV per unit
Price as at 6 November 2026.
Performance
How the portfolios have performed.
Cumulative returns to 30 September 2026, after the 0.30% p.a. wrap fee. Updated every month from the Ria Portfolio Performance Review.
Since Ria launched
11 March 2024 to 30 September 2026
Returns by period
30 September 2026
Portfolio
1 month
Year to date
Since launch
Very Conservative
−1.44%
−0.71%
+7.16%
Moderately Conservative
−0.83%
+3.65%
+13.84%
Moderate
−0.40%
+7.01%
+19.37%
Moderately Aggressive
+0.07%
+10.49%
+25.13%
Aggressive
+0.54%
+14.04%
+30.23%
Very Aggressive
+0.92%
+17.16%
+32.82%
1 month: 1–30 September 2026. Year to date: 1 January – 30 September 2026. Since launch: 11 March 2024 – 30 September 2026. Portfolio returns are net of the 0.30% p.a. wrap fee. Source: Novagni Analytics and Advisory Sdn Bhd; Permodalan Nasional Berhad. Past performance is not an indication of future performance. The value of your investment can go down as well as up.
Ria vs unit trust
How Ria differs from investing directly in unit trust.
Unit trust
Ria
Suitable for
Beginners and intermediate
Beginners
Fund selection
Manual
Automatic
Exclusive fund access
No
Yes
Managed by fund managers
Yes
Yes
Minimum initial investment
RM100 (RM10 at the counter)
RM100
Fees
Sales charge varies by fund
Wrap fee 0.3% per annum
Income distribution
Once a year
Up to 4 times a year, when available
Minimum age
None
18 years
Investment channel
Portal, app, branches, agents, internet banking
myASNB app only
Get started
Start in three steps.
1
Download myASNB
Scan the QR code or search for myASNB in the App Store or Google Play.
2
Answer the risk questions
A short questionnaire sets your risk profile and recommends a portfolio.
3
Invest from RM100
Deposit once or set up Auto Labur. Ria invests and rebalances for you.
Frequently Ask Questions
Ria is an automated investment application by ASNB licensed under the Digital Investment Management (DIM) framework by the Securities Commission Malaysia.
Ria works by using algorithms and Modern Portfolio Theory to create and manage personalized investment portfolios. After assessing your risk profile and investment preferences, Ria allocates your investments across a diverse selection of ASNB unit trust funds, aiming to optimize returns while minimizing risk.
Ria stands out from other robo advisors by having the backing of Amanah Saham Nasional Berhad, a trusted unit trust management company with more than 40 years of experience in the industry. Ria also differentiates itself from other robo advisors by offering portfolios comprised of ASNB unit trust funds, which focus on Malaysian and global equities as well as sukuk (Islamic bonds).
Additionally, Ria provides a user-friendly platform within myASNB application, periodic rebalancing, optimization, and local expertise, all at competitive fees.
The minimum initial amount for you to invest in RIA is RM100, and the minimum subsequent investment amount is also RM100.
This low barrier of entry to invest in a diversified portfolio is intended to encourage participation in the capital markets among Malaysians to benefit from long-term investment returns.
Individuals who are citizens of Malaysia can open an account with Ria.
You will need a MyKad with a Malaysian permanent address and be at least 18 years of age. You will also need a valid email address and an active Malaysian bank account to be able to transfer funds in and out of your Ria account.
Disclosure
Read before you invest.
Official documents for Ria and the funds it invests in.
Start with RM100. Let Ria do the rest.
Open Ria inside the myASNB app with your MyKad. It takes a few minutes.
Minimum RM100 · Wrap fee 0.3% p.a. · No sales charge
Customization works for you
Your portfolio isn’t one-size-fit-all.
You can adjust the asset mix across your portfolios and meet your objectives.
Kickstart your journey with
these 6 steps and
customize your portfolio
Go to Ria
Navigate to Ria feature