Quick answer

Unit trust cost is more than the sales charge. Compare entry, management, trustee, platform, switching, redemption and other expenses in the product documents, then convert the percentage into ringgit for your amount and holding period.

Separate one-off charges from ongoing costs

A sales charge is usually visible when you buy, while management and other expenses can affect the fund over time. A platform may also charge for custody, access, switching or transactions. The product highlights sheet, prospectus and fee schedule should explain the applicable charges.

A lower entry fee does not make a fund cheaper if ongoing charges, trading costs or a platform fee are higher. Compare the same amount and holding period.

Turn percentages into ringgit

For each fund or platform, record:

Cost	Question
Sales charge	What is deducted when I invest?
Management fee	What is charged for managing the fund?
Trustee or other expenses	Which costs are paid from the fund?
Platform fee	What does the platform charge and when?
Switching or redemption	What happens when I move or sell?

Apply the charges to the amount and period you actually expect to hold. A percentage that looks small can become a material ringgit amount over years.

Fees do not answer the suitability question

After the fee comparison, check what the fund owns, its objective, risk, liquidity and reporting. SC's collective-investment materials provide the framework, but your decision still depends on the current fund documents and your own time horizon.

Write down what would make you stop, switch or continue. Do not treat a low fee as proof of a good outcome or a high fee as proof of a bad one.

Questions readers usually ask

What is the most important unit-trust fee?

It depends on the product and holding period. Compare entry, ongoing, platform, switching and redemption costs together.

Does no sales charge mean the fund is free?

No. Management, trustee, platform, transaction or other expenses may still apply. Read the current documents.

How can I compare two funds fairly?

Use the same investment amount and holding period, list all stated costs and compare the products’ objectives, risk and liquidity.

Do fees reduce my return?

Costs reduce the amount available for the investment or the value retained by the investor. The actual effect depends on the fee and product structure.

Which documents should I read?

Start with the prospectus, product highlights sheet, fund report and fee schedule supplied for the current product.

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Sources and verification notes

This article was prepared from the official pages below with an initial fact cutoff of 24 August 2026. Rates, limits, eligibility, operating hours and product terms can change; recheck the current source before acting. This is general financial education, not personalised advice.

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If you choose to arrange insurance, unit trusts or PRS through me and FA Advisory, I may receive commission from the relevant product provider. This commission is calculated separately from the financial-planning fee and does not offset or replace the planning fee. I will also explain the relevant arrangement and potential conflict of interest before implementation.

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