How To Get Potential Capital Gain With ASNB Variable Price Funds
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It’s 2025 and what better way to start the year than to realign and review your investment strategies to ensure that your future finances are on track?
Keeping your investment portfolio as diversified as possible is one of the key fundamentals in securing your future finances. But with all the different options available, it can be complicated and risky, if you’re unfamiliar with investing.
With over 40 years of experience*, Amanah Saham Nasional Berhad (ASNB)’s variable price funds could be the key to diversifying your portfolio.
In this article, we explain what variable price funds are, the types of variable price funds ASNB offers, and what the benefits are so that you can make an informed decision.
What are variable price funds?
Besides fixed price funds like ASB and ASM which most Malaysians are familiar with, ASNB also offers variable price funds. Here’s a quick explanation of the difference between fixed price (FP) and variable price (VP) funds.
| Fixed price fund | Variable price fund |
|---|---|
| - The fund price, known in the industry as Net Asset Value (NAV), will always be fixed at RM1. | - The fund will fluctuate in price or NAV depending on the market movement. It is similar to unit trust funds offered by other companies. |
| - The price is RM1 per unit today and it will be RM1 per unit from next year onwards. | - Besides the annual dividend payout, there is potential capital gain from buying/selling the fund. |
| - Investment return is in the form of an annual dividend payout only. |
Investors who invest in VP funds can also minimise the risk of market volatility from price fluctuations by diversifying their portfolios into various equity, mixed asset or balanced funds to balance risks and invest for long-term growth to average gains.
It is also important to continue to stay informed about market trends to manage your investment portfolio properly.
ASNB’s variable price funds and their benefits
Now that you know the differences, let’s take a look at some of the variable price funds that ASNB offers and their benefits.
While ASNB provides a slew of products (which you can check out here), we will highlight 5 equity products in this article.
| No | Product |
|---|---|
| 1 | ASN Equity Global |
| 2 | ASN |
| 3 | ASN Equity 2 |
| 4 | ASN Equity 3 |
| 5 | ASN Equity 5 |
ASN Equity Global* offers investors exposure to the US market and is recommended for those who want capital appreciation, have a higher risk appetite, and understand the risks and returns profile of investing in local and global capital markets.
Those who have a medium to long-term investment horizon can explore domestic equity-focused funds: ASN*, ASN Equity 2*, ASN Equity 3*, and ASN Equity 5*. These domestic equity funds are suitable for those who want capital growth with a focus on the sectors of construction and property in domestic markets.
ASNB’s variable price funds offer additional benefits for investors such as:
- Low entry barriers: Many ASNB unit trust products are designed with affordability in mind, allowing small initial investments – as low as RM10.
- Diversified portfolio: ASNB funds invest in a wide range of asset classes, reducing risk through diversification.
- Accessible to all Malaysians: ASNB offers a variety of products catering to both Bumiputera and non-Bumiputera Malaysians.
- Potential stable returns: ASNB’s various product offerings have the potential to deliver stable annual dividends, making them attractive for risk-averse investors.
- Long-term growth: Variable price funds, like ASN, are aimed at long-term capital appreciation and are ideal for younger investors or those looking for growth.
- Variety of product risk profiles: To cater for investors with different risk appetites – low risk, medium risk, and high risk.
Diversify your portfolio by investing with ASNB
Having a healthy investment strategy requires more action on your part as an investor to consistently check and ensure your portfolio is diversified to give stable returns.
Variable funds come with higher risk but there is also the potential for much higher returns. If you start early, you can ride out the highs and lows with a long-term investment plan.
So, whether you’re a new or experienced investor, there’s no better time to start investing with ASNB’s variable price funds and diversify your portfolio.
*Source: ASNB website (www.asnb.com.my)
