Charges, Fees & Expenses
All charges and fees applicable to our funds are disclosed transparently in the respective Prospectus and Product Highlights Sheet. The table below summarises the key charges across our fund range.
| Fund | Sales Charge (Max) | Annual Management Fee | Annual Trustee Fee |
|---|---|---|---|
| Pheim Emerging Companies Balanced Fund (PECBF) | 5.00% | 1.50% p.a. | 0.055% p.a. |
| Dana Makmur Pheim (DMP) | 5.00% | 1.50% p.a. | 0.055% p.a. |
| Pheim Income Fund (PIF) | Nil | 1.00% p.a. | 0.055% p.a. |
| Pheim Asia Ex-Japan Fund (PAXJ) | 5.00% | 1.50% p.a. | 0.055% p.a. |
| Pheim Asia Ex-Japan Islamic Fund (PAXJI) | 5.00% | 1.50% p.a. | 0.055% p.a. |
| Pheim Greater China Islamic Fund (PGCIF) | 5.00% | 1.50% p.a. | 0.055% p.a. |
| Pheim ASEAN Islamic Fund (PAIF) | 5.00% | 1.50% p.a. | 0.055% p.a. |
| Pheim Global ESG Islamic Fund (PGEIF) | 5.00% | 1.50% p.a. | 0.055% p.a. |
Note on Sales Charge
The sales charge is negotiable. Actual sales charge may be lower than the maximum stated. Please contact us or your appointed distributor for the applicable rate.
Redemption Charge: Nil for all funds.
Transfer Fee: Nil.
Switching Fee: Nil (subject to applicable sales charge of the fund being switched into).
Investors are required to review the Prospectus and Product Highlight Sheets and Fund Fact sheets before making investment decisions.
Initial Investment
To open an account and make your first investment in any Pheim Unit Trust fund, you will need to complete the Account Opening Form and provide the required documentation.
| Fund | Minimum Initial Investment |
|---|---|
| Pheim Emerging Companies Balanced Fund | RM 1,000.00 |
| Dana Makmur Pheim | RM 1,000.00 |
| Pheim Income Fund | RM 1,000.00 |
| Pheim Asia Ex-Japan Fund | RM 1,000.00 |
| Pheim Asia Ex-Japan Islamic Fund | RM 1,000.00 |
| Pheim Greater China Islamic Fund | RM 1,000.00 |
| Pheim ASEAN Islamic Fund | RM 1,000.00 |
| Pheim Global ESG Islamic Fund | RM 1,000.00 |
Documents Required
Copy of NRIC (front & back) or Passport, and proof of address (utility bill or bank statement dated within 3 months).
Eligible Investors
Malaysian citizens, permanent residents, and foreign nationals. Corporate investors and institutional funds are also welcome.
Processing Time
Applications received before 4:00 PM (Kuala Lumpur time) on a business day are typically processed the same day.
Additional Investment
Existing unitholders may make additional investments (top-ups) into any fund they already hold.
| Fund | Minimum Additional Investment |
|---|---|
| Pheim Emerging Companies Balanced Fund | RM 100.00 |
| Dana Makmur Pheim | RM 100.00 |
| Pheim Income Fund | RM 100.00 |
| Pheim Asia Ex-Japan Fund | RM 100.00 |
| Pheim Asia Ex-Japan Islamic Fund | RM 100.00 |
| Pheim Greater China Islamic Fund | RM 100.00 |
| Pheim ASEAN Islamic Fund | RM 100.00 |
| Pheim Global ESG Islamic Fund | RM 100.00 |
How to Top Up
Submit the Additional Investment Form along with your payment (cheque, bank transfer, or IBG) to our office or submit through your appointed distributor. Online top-ups may be available through participating distributor portals.
Regular Savings Plan (RSP)
Our Regular Savings Plan allows you to invest a fixed amount on a recurring basis — monthly, quarterly, or biannually — through auto-debit from your bank account. This disciplined approach harnesses the power of ringgit-cost averaging to grow your wealth over time.
Minimum Monthly Amount
RM 100 per month per fund, paid via standing instruction or auto-debit.
Ringgit-Cost Averaging
By investing consistently, you automatically buy more units when prices are low and fewer when prices are high, reducing average cost over time.
Flexible & Convenient
Modify, pause, or cancel your regular savings plan at any time with 14 days' written notice. No lock-in period.
Complete the RSP Form
Download the Regular Savings Plan Form from our Resources page or collect it from our office.
Provide Bank Auto-Debit Authorisation
Complete the bank auto-debit section with your bank account details and authorisation signature.
Submit to Our Office
Submit the completed form to our office or your appointed distributor. Processing takes approximately 3–5 business days.
Auto-Debit Begins
Monthly deductions begin on the authorised date and units are allocated at the prevailing NAV.
EPF Members Investment Scheme (EPF-MIS)
Affin Pheim Unit Trusts Berhad is an approved manager under the Employees Provident Fund (EPF) Members Investment Scheme. Eligible EPF members may withdraw a portion of their savings in Account 1 to invest in our EPF-approved unit trust funds.
EPF-Approved Funds
- Dana Makmur Pheim
- Pheim Emerging Companies Balanced Fund
- Pheim Income Fund
- Pheim Asia Ex-Japan Islamic Fund
* The EPF-MIS fund list has been temporarily suspended pending further updates.
| Eligibility Criteria | Details |
|---|---|
| Minimum Age | 18 years old |
| Account 1 Minimum Balance | RM 1,000 above the Basic Savings amount |
| Minimum Investment | RM 1,000 per fund |
| Withdrawal Frequency | Once every 3 months |
| Withdrawal | Subject to EPF’s prevailing EPF-MIS withdrawal rules |
For EPF-MIS applications, please visit our office with your EPF membership number, NRIC, and the completed EPF Investment Application Form.
Investment & Redemption
Transactions (purchases and redemptions) are carried out at the prevailing Net Asset Value (NAV) per unit, calculated on each business day.
| Purchase | Redemption | |
|---|---|---|
| Cut-off Time | 4:00 PM (KL time) | 4:00 PM (KL time) |
| Pricing Basis | Forward pricing — NAV calculated after cut-off | Forward pricing — NAV calculated after cut-off |
| Settlement | Payment received before 4 PM processed same day | Proceeds disbursed within 7 business days |
| Minimum Redemption | — | 500 units |
| Minimum Holding | 1,000 units must be maintained | — |
Switching Between Funds
You may switch between funds by submitting a Switching Form. No switching fee applies, though the fund switched into may levy a sales charge.
Transfer of Units
Units may be transferred to another investor. A Transfer Form must be completed by both parties and submitted to our office. No transfer fee applies.
Distribution Channels
You may invest in Affin Pheim Unit Trust funds directly through our office or through appointed distributors and Institutional Unit Trust Advisers (IUTAs).
Direct (Our Office)
Level 3, Menara Affin, Lingkaran TRX, 55188 Kuala Lumpur, Malaysia.
Monday–Friday: 9:00 AM – 5:00 PM
Unit Trust Consultants
Our licensed Unit Trust Consultants (UTCs) and Institutional Unit Trust Advisers (IUTAs) are available to assist you. Contact us to find an adviser near you.
By Appointment
Call or email us to arrange a consultation. Our team is happy to assist you choose the right fund for your financial goals.
Institutional Unit Trust Advisers (IUTAs) authorised to distribute the Funds
18th Floor Bangunan AMBank Group, 55 Jalan Raja Chulan, 50250 Kuala Lumpur.
17th Floor, Kenanga Tower, 237, Jalan Tun Razak, 50400 Kuala Lumpur.
Level 2, Tower One, RHB Centre, Jalan Tun Razak, 50400 Kuala Lumpur.
3rd Floor Menara MBSB, 46 Jalan Dungun, Damansara Height, 50490 Kuala Lumpur.
50, 52 & 54, Jalan SS21/39, Damansara Utama, 47400 Petaling Jaya, Selangor.
Level 10, Menara Standard Chartered, 30 Jalan Sultan Ismail, 50250 Kuala Lumpur.
107, Blok B, Pusat Dagangan Phileo Damansara I, No. 9, Jalan 16/11, Off Jalan Damansara, 46350 Petaling Jaya.
Level 4, Menara Maybank, 100 Jalan Tun Perak, 50050 Kuala Lumpur.
23rd Floor, Menara TA One, 22 Jalan P. Ramlee, 50250 Kuala Lumpur.
Level 3A, Wisma Hong Leong, 18 Jalan Perak, 50450 Kuala Lumpur.
B-2-7, Megan Avenue II, No. 12, Jalan Yap Kwan Seng, 50450 Kuala Lumpur.
N-2-1, Plaza Damas 60, Jalan Sri Hartamas 1, Sri Hartamas, 50480 Kuala Lumpur Malaysia.
Level 28, Menara AIA Sentral, 30 Jalan Sultan Ismail, 50250 Kuala Lumpur.
Level 13, Menara IQ, Lingkaran TRX, Tun Razak Exchange, 55188 Kuala Lumpur.
Wisma BSN, No. 117, Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Level 5, Menara AFFIN, Lingkaran TRX, Tun Razak Exchange, 55188 Kuala Lumpur.
Level 24, Menara AFFIN, Lingkaran TRX, Tun Razak Exchange, 55188 Kuala Lumpur.
Corporate Unit Trust Advisers (CUTAs) authorised to distribute our Funds
Unit 6.19, Level 6, Blok A, MAHSA Avenue, Jalan Ilmu, Off Jalan Prof Diraja Ungku Aziz, 59100 Kuala Lumpur.
Ready to Invest?
Download the relevant forms from our Resources page, or contact us for assistance. Our team is ready to guide you through the investment process.