{"id":17863,"date":"2021-11-08T19:00:00","date_gmt":"2021-11-08T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/amanah-saham-bumiputera-2.html"},"modified":"2026-03-27T10:40:35","modified_gmt":"2026-03-27T02:40:35","slug":"amanah-saham-bumiputera-2","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/investments\/amanah-saham-bumiputera-2.html","title":{"rendered":"Amanah Saham Bumiputera 2: Investment For Gen-Y In Malaysia?"},"content":{"rendered":"\n<p>The Amanah Saham Bumiputera 2 (ASB 2) was officially launched on 2nd April 2014. Also known as ASB2, the unit trust fund is an extension of a program of the same name originally launched by Permodalan Nasional Berhad (PNB) on 2nd January 1990. PNB manages the fund which stands at a total of 10 billion units.&nbsp; \n <!--more--><\/p> \n<p>For the Bahasa Malaysia version of this article click <strong><a href=\"https:\/\/www.comparehero.my\/blog\/amanah-saham-bumiputera-2-bm\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a>.<\/strong><\/p> \n<h2><strong>What is the difference between ASB2 and ASB?<\/strong><\/h2> \n<p style=\"text-align: justify;\">The initiative is especially designed for the Bumiputeras and meant to boost the community\u2019s economy by providing an alternative savings and <strong><a href=\"https:\/\/www.comparehero.my\/blog\/net-present-value-discount-cashflow\" target=\"_blank\" rel=\"noopener noreferrer\">investment<\/a><\/strong> vehicle. ASB\u2019s goal was to offer long-term, competitive, and consistent returns. To achieve this, the fund was designed as a fixed-price equity income fund at RM1.00 per unit, with no sales fees and no charges for unit redemption. It is the same for ASB2, except that ASB was equity and ASB2 is a mixed-type fund. This system ensures that investments never fall below RM1 per unit even if the market is bad.<\/p> \n<h2><strong>How To Register For ASB Online &amp; Check Your ASB Balance?<\/strong><\/h2> \n<p>To check your ASB balance online or register for a MyASNB account online, <strong><a href=\"https:\/\/www.myasnb.com.my\" target=\"_blank\" rel=\"noopener noreferrer\">please click here<\/a><\/strong> and follow the series of instructions in the video below:<\/p> \n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/VRMBXyDzozI\" width=\"720\" height=\"480\" frameborder=\"0\" allowfullscreen=\"\">\ufeff<\/iframe><\/p> \n<p style=\"text-align: justify;\">The unit trust fund is part of the five-part Bumiputera Economic Empowerment Agenda. It aims to strengthen the native ethnic group in fields like capital, corporate sector equity ownership, entrepreneurship and commerce as well as in non-financial assets like service delivery and ecosystem.<\/p> \n<h2 style=\"text-align: justify;\"><strong>What Are Two Types Of ASB2 Accounts Available?<\/strong><\/h2> \n<ul> \n <li style=\"text-align: justify;\"><strong>\u2018Akaun Bijak\u2019 &#8211;&nbsp;<\/strong>is for investors aged 6 months up to 18 years, with the investment cap set at 50,000 units.<\/li> \n <li style=\"text-align: justify;\"><strong>\u2018Akaun Dewasa\u2019 &#8211;<\/strong>&nbsp;is suited to investors 19 years and older, with a maximum limit of 200,000 units.<\/li> \n<\/ul> \n<p style=\"text-align: justify;\">ASB is particularly popular with investors because of its low cost and high returns. The funds have never provided returns lower than 8.5% annually. Dividends are computed monthly, based on the minimum amount of the month, and distributed annually. Buying into ASB is possible through authorised agents like banks.<\/p> \n<h2><strong>How To Invest In ASB Through Maybank2U?<\/strong><\/h2> \n<p style=\"text-align: justify;\">Maybank, for example, provides ASB investment services through its branches. Its online banking platform, <strong><a href=\"https:\/\/www.maybank2u.com.my\" target=\"_blank\" rel=\"noopener noreferrer\">Maybank2U<\/a><\/strong>, makes the process even more convenient. Investors need only log in to their bank accounts and use their ASB membership number to purchase additional units for themselves or a third party. Several loans are also available especially for investing in ASB.<\/p> \n<p><strong>Related:&nbsp;<a href=\"https:\/\/www.comparehero.my\/blog\/can-investments-boost-childs-college-funds\" target=\"_blank\" rel=\"noopener noreferrer\">How Can Investments Boost My Child\u2019s College Funds?<\/a><\/strong><\/p> \n<table> \n <tbody> \n  <!--Headlines of rows--> \n  <tr> \n   <td style=\"background-color: #ffffff; text-align: center; vertical-align: middle; color: white; width: 150px;\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Maybank2Platinum-2.png?resize=114%2C72&#038;ssl=1\" alt=\"Maybank 2 Cards Platinum Amex credit card\" width=\"114\" height=\"72\"><\/td> \n   <td style=\"background-color: #ffffff; text-align: center; vertical-align: middle; color: white; width: 100px;\"> \n    <ul> \n     <li>&nbsp;<\/li> \n     <li><strong>ZERO Annual Fee, FREE for life<br> 5X TreatsPoints for all spend on American Express Reserve Card<\/strong><\/li> \n     <li>&nbsp;<\/li> \n    <\/ul> <\/td> \n   <td style=\"background-color: #ffffff; text-align: center; vertical-align: middle; color: white; width: 150px;\"><a href=\"https:\/\/www.comparehero.my\/credit-card\/maybank\" target=\"_blank\" rel=\"noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/CTA-apply-now-Mar-28-2022-01-32-39-14-PM.jpg?resize=133%2C28&#038;ssl=1\" alt=\"cta-apply-now\" width=\"133\" height=\"28\"><\/a><\/td> \n  <\/tr> \n <\/tbody> \n<\/table> \n<p style=\"text-align: justify;\">Despite all its good intentions and positive qualities though, the initiative still has its fair share of doubters. One of the issues that investors and other stakeholders must grapple with is whether the practice is allowed in Islam. An announcement in 2012 by Muzakarah Jawatankuasa Fatwa declared that ASB, and consequently other investment schemes, are considered \u201charus\u201d. This means since they are neither prohibited nor encouraged by the teachings of the faith.<\/p> \n<p style=\"text-align: justify;\">PNB\u2019s Shariah panel, meanwhile, ensures that the fund\u2019s investments are within the amount allowable by Islam. ASB also faces opposition from Bukit Bendera MP Zairil Khir Johari, who says that the scheme only benefits rich Bumiputera.<\/p> \n<p style=\"text-align: justify;\">According to Zairil, the bottom 40% (<strong><a href=\"https:\/\/www.comparehero.my\/blog\/t20-m40-b40-malaysia\" target=\"_blank\" rel=\"noopener noreferrer\">B40<\/a><\/strong>) of Bumiputera households earn a mere RM 1,686 a month. Referencing PNB\u2019s annual reports, Zairil noted that three out of four shareholders can only afford an average investment of RM611 per person. This leaves the rich and politically well-connected Bumiputera, who make up the top quartile of the community, free to take advantage of the available units. Zairi says this is completely opposed to the ASB\u2019s apparent goal of providing average Malaysians with the opportunity to invest.<\/p> \n<p><strong>Related:&nbsp;<a href=\"https:\/\/www.comparehero.my\/blog\/is-life-insurance-investment\" target=\"_blank\" rel=\"noopener noreferrer\">Is Life Insurance A Form Of Investment?<\/a><\/strong><\/p> \n<p style=\"text-align: justify;\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/tips-fixed-deposit-1.jpg?resize=640%2C285&#038;ssl=1\" alt=\"growing your investment fund\" width=\"640\" height=\"285\"><\/p> \n<p style=\"text-align: justify;\">A study by the economist Dr. Muhammed Abdul Khalid supports Zairi\u2019s claim: he found that the accumulated portfolio of the top 0.1% of Bumiputera investors amount to 1,526 times more than the total of the bottom 80%.<\/p> \n<p style=\"text-align: justify;\">Making more ASB units available ostensibly to average Bumiputera, in reality, only benefits the rich and elite because they are the only ones who can afford to heavily invest, and therefore profit, from it. However, despite doubts, the ASB2 is still largely met with optimism because of the excellent track record set by the project\u2019s predecessor.<\/p> \n<p><strong>Related:&nbsp;<a href=\"https:\/\/www.comparehero.my\/blog\/investment-lessons-you-should-learn-from-successful-investors\" target=\"_blank\" rel=\"noopener noreferrer\">7 Investment Lessons You Should Learn From Successful Investors<\/a><\/strong><\/p> \n<p><em><strong>Disclaimer<\/strong>: Neither CompareHero.my nor the content on it is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on CompareHero.my is for general information purposes only and is not intended to be personalised investment advice or a solicitation for the purchase or sale of securities.<\/em><\/p> \n<p><em>Compargo Malaysia Sdn. Bhd. and\/or its affiliates cannot and do not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. CompareHero.my may receive compensation from the brands or services mentioned on this website.<\/em><br> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Amanah Saham Bumiputera 2 (ASB 2) was officially launched on 2nd April 2014. Also known as ASB2, the unit trust fund is an extension of a program of the same name originally launched by Permodalan Nasional Berhad (PNB) on 2nd January 1990. PNB manages the fund which stands at a total of 10 billion&#8230;<\/p>\n","protected":false},"author":268230141,"featured_media":59846,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[424],"tags":[],"class_list":["post-17863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Amanah Saham Bumiputera 2: Investment For Gen-Y In Malaysia? - CompareHero<\/title>\n<meta name=\"description\" content=\"What is ASB2? 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