what is unit trust in malaysia

Understanding Unit Trust in Malaysia

Investing your hard-earned money wisely is a key concern for Malaysians looking to secure their financial future. One attractive investment option that has gained popularity is unit trusts. In this guide, we will explore what unit trusts are, with a special focus on HLB Unit Trusts, and how you can invest in them to grow your wealth.

What is Unit Trust in Malaysia?

What is Unit Trust in Malaysia? A unit trust is a collective investment scheme that pools money from multiple investors to invest in a diversified portfolio of assets, such as stocks, bonds, and other securities. These assets are managed by professional fund managers, who aim to generate returns for the investors. In Malaysia, unit trusts are regulated by the Securities Commission, ensuring transparency and investor protection.

HLB Unit Trust: Your Investment Partner

Hong Leong Bank (HLB) offers a range of unit trust options designed to suit various risk appetites and financial goals. HLB Unit Trusts provide Malaysians with the opportunity to invest in professionally managed portfolios without the need for extensive financial knowledge or time-consuming research.

Why Invest in HLB Unit Trusts?

  1. Diversification: HLB Unit Trusts spread your investment across different asset classes, reducing the risk of significant losses from a single investment.
  2. Expert Management: Experienced fund managers with a deep understanding of the market actively manage your investments, making informed decisions to maximize returns.
  3. Accessibility: HLB Unit Trusts offer a low entry point, making them accessible to a wide range of investors. You can start small and gradually increase your investment over time.
  4. Liquidity: Unlike traditional investments, unit trust investors can buy and sell units easily, providing liquidity when needed.
  5. Convenience: HLB Unit Trusts relieve you from the day-to-day management of investments. The fund managers handle research, monitoring, and decision-making on your behalf.

How to Invest in HLB Unit Trusts

Investing in HLB Unit Trusts is a straightforward process:

  1. Choose Your Fund: HLB offers a variety of unit trust funds catering to different risk levels and investment objectives. Evaluate your financial goals and risk tolerance to select the most suitable fund.
  2. Open an Account: If you’re not already an HLB customer, you’ll need to open an account with them. This process is simple and can often be done online.
  3. Consultation: Consider having a consultation with an HLB representative or financial advisor to gain a clearer understanding of your chosen fund and its potential returns.
  4. Invest Now: Once you’ve selected a fund and understood its dynamics, you can start investing. The minimum investment amount may vary depending on the fund you choose.
  5. Monitor and Review: While HLB’s fund managers handle the day-to-day management, it’s wise to periodically review your investment and ensure it aligns with your changing financial goals.


Unit trusts offer Malaysians an accessible and professionally managed way to invest and grow their wealth. With HLB Unit Trusts, the journey to financial prosperity becomes even more convenient and rewarding. Remember, investments carry risks, and it’s essential to conduct thorough research and understand the fund you’re investing in. By partnering with HLB and making informed investment decisions, you can take significant steps towards securing a brighter financial future.