Invest ethically through a collective investment scheme that pools funds from multiple investors and is professionally managed in line with Shariah-compliant values and Islamic principles.
What is inside your unit trust portfolio?
By leveraging collective capital, you gain instant, diversified exposure to:
Shariah-compliant equities
Shares in companies that have been screened and approved under Shariah standards.
Sukuk (Islamic bonds)
Islamic certificates that give you a proportional ownership stake in real, underlying assets or projects — structured in line with Shariah principles.
Money market instruments
Short term instruments and Shariah-compliant commodities designed to preserve capital while delivering stable returns.
Why Shariah-compliant unit trusts are a trusted choice
Your security is our priority. We operate under strict regulatory standards set by Malaysia's relevant authorities, giving you confidence in the professional management and oversight of your investments:
Government oversight
Every fund is registered with and supervised by the Securities Commission Malaysia, ensuring high standards of transparency and investor protection.
Double-checked for ethics
Each fund is regularly reviewed to ensure ongoing compliance with Shariah standards, as required under the guidelines of the Shariah Advisory Council of the Securities Commission Malaysia.
Regulatory framework
Each unit trust scheme is governed by a Deed registered with the Securities Commission Malaysia. In accordance with the Capital Market and Services Act 2007, the fund's assets are held by Trustees for the benefit of unit holders, ensuring a clear separation of assets from the Management Company.
Built-in resilience
Shariah-compliant funds exclude companies involved in prohibited activities such as conventional banking, insurance, gambling, liquor, and non-halal food products—as well as those with excessive debt levels, strictly adhering to the Shariah screening benchmarks set by the Securities Commission Malaysia.
The alrajhi bank Malaysia advantage
Your preferred choice for Islamic wealth management.
We provide a curated gateway to premier investment opportunities supported by global expertise:
Global reach
Over 30+ carefully selected funds spanning both local and international Shariah-compliant asset classes.
Established performance
We partner with world-class, industry-leading asset managers with proven track records in Islamic capital markets.
Professional advisory
Access to dedicated Relationship Managers providing personalized advisory to ensure your portfolio remains aligned with your specific risk tolerance.
Our Unit Trust Fund Partners
We distribute Islamic unit trust funds from some of Malaysia's most established asset management companies. For the full list of unit trust offerings, please click here.
Is my Relationship Manager authorized?
You can verify that your Relationship Manager is a registered FIMM consultant and qualified to provide unit trust investment services. Please click here to access the FIMM registry.
Which Islamic unit trust investor are you?
The growth seeker
Profile:Investors with a higher risk appetite who are comfortable with market fluctuations in exchange for potential long-term rewards.
The strategy:Focus primarily on Shariah-compliant equities to achieve significant capital appreciation over a longer horizon.
The balanced achiever
Profile: Investors looking for a ‘middle ground’ that balances capital growth with proactive risk management.
The strategy: Combination of diversified, strategic mix of equities, Sukuk, and gold/ commodities to provide stability while still capturing growth.
The income protector
Profile: Conservative investors who prioritize keeping their capital safe while receiving consistent, periodic distributions.
The strategy: Lower-risk investments in Sukuk and Islamic money market instruments to provide steady income.
Frequently-asked questions (FAQ) about Islamic Unit Trust in Malaysia
An Islamic unit trust is a professionally managed fund that pools money from many investors to participate collectively in a diversified range of Shariah-compliant assets — such as shares, Sukuk (Islamic investment certificates), and money market instruments. Professional fund managers make fund management decisions on behalf of all unit holders, in accordance with Islamic principles, making it a practical option for those who prefer a managed approach to building their financial portfolio.
While conventional bonds are interest-based debt instruments, Sukuk are Shariah-compliant investment certificates structured around permissible underlying assets or activities. Unlike conventional bonds, returns from Sukuk are not derived from interest but generally from the performance of the underlying asset, projects, activities or services — making them free from riba.
Shariah-compliant unit trust funds are subject to a specialised screening process to ensure all underlying funds adhere to Islamic principles.
This involves identifying and excluding sectors involved in Shariah non-compliant business activities, while applying financial ratio benchmarking to manage and limit exposure to interest-based debt in accordance with established Shariah standards.
Diversification spreads your funds across different Shariah-compliant sectors and global asset classes, reducing the impact of any single underperforming fund or market on your overall portfolio. Rather than concentrating your funds in one area, a diversified portfolio helps manage market volatility while remaining fully aligned with Shariah principles.
alrajhi bank Malaysia provides access to Shariah-compliant unit trust funds managed in accordance with Islamic principles and established governance frameworks. Here's what sets us apart:
Diverse fund selection: A curated selection of over 30 funds spanning equities, Sukuk, and gold across local and international markets.
Shariah governance: Structured oversight ensuring every fund meets the required Shariah standards.
Experienced fund managers: Partnerships with established asset management companies to ensure your funds are managed by industry professionals.
Initial and subsequent placement thresholds vary depending on your selected funds. Specific minimum placement amounts can be found in the respective Fund Prospectus or Product Disclosure Sheet (PDS) for each fund. We also recommend completing a Suitability Assessment with our Relationship Managers to determine the most suitable funds based on your financial needs and risk appetite.
As with all market-linked funds, Shariah-compliant unit trusts are subject to market fluctuations, economic conditions, and sector-specific risks. Before participating, you should consider your financial objectives, time horizon, and risk appetite.
You are advised to review the respective Fund Prospectus and Product Disclosure Sheet (PDS) for detailed information on risks and fees prior to participating.
Get in touch with us via the form below or call our Customer Care Hotline at +603 2332 6000, and one of our Relationship Managers will guide you through the process, which includes completing an investor suitability assessment.
Disclaimer: The contents of this website do not constitute a recommendation, offer or invitation to invest in any unit trust products. No representation or warranty, expressed or implied, is made that such information or Opinions is accurate, complete or verified and should not be relied on as such. Information and Opinions contained herein are published for recipients’ reference only. As with any other form of financial product, the financial product introduced herein carries risks, and you may not get back the amount you originally invested. You should be aware that this financial product may not be suitable for potential investors who are averse to such risks, and to consider the fees and charges involved.The price of units and distribution payable, if any, may increase or decrease. The returns are not guaranteed and customer risks earning no returns at all. Past performance is not an indication of future performance. You are advised to read and understand the approved relevant documents accompanying and relating to the product (whether prospectuses, information memorandum, product highlight sheet or deed) for inherent risks of investing in the product. If in doubt, potential investors should seek independent advice. Unit trust schemes are not protected by Perbadanan Insurans Deposit Malaysia (“PIDM”); and any money withdrawn from an insured deposit for the purpose of purchasing any units in a unit trust scheme is no longer protected by PIDM.
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