Unit Trust Calculator Malaysia
RM10,000 plus RM300 a month in a unit trust for 10 years, at a 7% gross return with a 3% sales charge and 1.6% yearly fees, grows to about RM 62,126.01 on RM 46,000.00 invested: a 4.83% net return a year. Charges and fees cost RM 9,151.17; through EPF i-Invest (0.5% charge) the same plan gives RM 63,671.43. Enter your fund's numbers below.
Your return
Final value
RM 46,000.00 invested · net return 4.83% a year
| Total invested | RM 46,000.00 |
|---|---|
| Sales charges | − RM 1,339.81 |
| Yearly fees | − RM 5,429.62 |
| Final value | RM 62,126.01 |
| Profit | RM 16,126.01 |
| Net return a year | 4.83% |
| Through EPF i-Invest (0.5% charge) | RM 63,671.43 |
| With no charges or fees | RM 71,277.18 |
| Cost of charges and fees | RM 9,151.17 |
Returns are not guaranteed; the gross return is your assumption.
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How the sales charge changes the result
RM10,000 plus RM300 a month for 10 years at 7% gross and 1.6% yearly fees.
| Sales charge | Charges paid | Final value | Net return |
|---|---|---|---|
| 0% | RM 0.00 | RM 63,989.79 | 5.3% |
| 0.5% | RM 228.86 | RM 63,671.43 | 5.22% |
| 1% | RM 455.45 | RM 63,356.23 | 5.14% |
| 2% | RM 901.96 | RM 62,735.09 | 4.99% |
| 3% | RM 1,339.81 | RM 62,126.01 | 4.83% |
| 5% | RM 2,190.48 | RM 60,942.66 | 4.53% |
| 5.5% | RM 2,398.10 | RM 60,653.83 | 4.45% |
How the unit trust calculator works
- Units bought = amount ÷ (NAV × (1 + sales charge)); the charge is the difference.
- Growth each month at the gross return ((1 + yearly)^(1/12) − 1).
- Yearly fees taken monthly from the value (fee ÷ 12).
- Net return = the yearly rate that turns your payments into the final value (IRR).
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How yearly fees change the result
| Yearly fees | Fees paid | Final value | Net return |
|---|---|---|---|
| 0.5% | RM 1,779.33 | RM 66,890.49 | 6% |
| 1% | RM 3,482.24 | RM 64,672.01 | 5.47% |
| 1.5% | RM 5,112.12 | RM 62,541.79 | 4.94% |
| 1.6% | RM 5,429.62 | RM 62,126.01 | 4.83% |
| 1.85% | RM 6,211.32 | RM 61,101.14 | 4.57% |
| 2% | RM 6,672.20 | RM 60,496.09 | 4.41% |
Your investment year by year
| Year | Invested | Value | Gain |
|---|---|---|---|
| Year 1 | RM 13,600.00 | RM 13,818.05 | RM 218.05 |
| Year 2 | RM 17,200.00 | RM 18,145.18 | RM 945.18 |
| Year 3 | RM 20,800.00 | RM 22,701.67 | RM 1,901.67 |
| Year 4 | RM 24,400.00 | RM 27,499.67 | RM 3,099.67 |
| Year 5 | RM 28,000.00 | RM 32,552.00 | RM 4,552.00 |
| Year 6 | RM 31,600.00 | RM 37,872.12 | RM 6,272.12 |
| Year 7 | RM 35,200.00 | RM 43,474.23 | RM 8,274.23 |
| Year 8 | RM 38,800.00 | RM 49,373.29 | RM 10,573.29 |
| Year 9 | RM 42,400.00 | RM 55,585.02 | RM 13,185.02 |
| Year 10 | RM 46,000.00 | RM 62,126.01 | RM 16,126.01 |
Unit trust charges in Malaysia
- EPF Members Investment Scheme: sales charge capped at 0.5% online through i-Invest and 3% through agents.
- Cash investments: sales charges vary by fund and channel; FIMM found the average cash sales charge fell to 1.9% in 2020 from 3.1% in 2014.
- Yearly fees: the management and trustee fees are taken from the fund every day and are already reflected in the published NAV.
- Read the Product Highlights Sheet for every charge before you invest.
Sources
- NST: i-Invest sales charge capped at 0.5%
- Malay Mail: EPF i-Invest launch
- FIMM: Research on unit trust fees and charges
- The Edge: Unit trust fees and charges trend down
Disclaimer: An illustration, not investment advice. Unit trust prices go up and down; read the prospectus before investing.
Frequently asked questions
How is a unit trust sales charge worked out?
Units are bought at NAV plus the sales charge, so RM10,500 at a 5% charge buys RM10,000 of units and pays RM500. On RM10,000 at 5% you pay RM 476.19 and get the rest in units.
How much will RM300 a month in a unit trust grow to?
RM10,000 plus RM300 a month for 10 years, at a 7% gross return with a 3% sales charge and 1.6% yearly fees, grows to about RM 62,126.01 on RM 46,000.00 invested, a net return of 4.83% a year.
How much do unit trust fees cost over time?
In the example, sales charges of RM 1,339.81 and yearly fees of RM 5,429.62 leave RM 62,126.01 against RM 71,277.18 with no charges or fees: a cost of RM 9,151.17 over 10 years. Yearly fees cost more than the sales charge over long periods.
What is the EPF i-Invest sales charge?
EPF caps the sales charge at 0.5% per purchase for funds bought online through i-Invest, against up to 3% through agents. The example plan at 0.5% grows to RM 63,671.43.
What is the net return of a unit trust?
The yearly rate that turns your payments into the final value, after the sales charge and fees. A 7% gross return becomes about 4.83% net in the example; compare that with FD, ASB or EPF.
What fees does a unit trust charge?
An initial sales charge on each purchase, a yearly management fee and a trustee fee taken from the fund's value, and sometimes a switching or redemption charge. All are listed in the fund's prospectus and Product Highlights Sheet.
Are past unit trust returns guaranteed?
No. A fund's return changes every year and can be negative. Use a realistic long-term gross return and check the fund's past performance and risk in its fund fact sheet.
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