Learn MoomooHow to buy unit trusts (MYR Funds) in Moomoo — find a fund, read the fees, and tap Subscribe (a screenshot of every screen)
How to subscribe to a unit trust fund in Moomoo through Wealth. Where to find the fund list, how to read a fund page (1Year Return, NAV, Investment Strategy, fund documents), the Subscribe screen, the minimum, the 12 noon cut-off, when your units are confirmed, the subscription fee and annual management fee, how to spot Shariah funds, and the difference between a unit trust and an ETF.
Want to try tapping it yourself first?A 5-tap simulator built from real app screens. Mistakes are fine, no money moves.“Daus, how do I buy a unit trust in Moomoo? I can’t find it.”
“Which one should I pick, the AHAM or the Eastspring funds?”
Unit trust funds in Moomoo don’t sit in the normal stock search. They have their own section called Wealth, and buying one works a little differently from buying a share. This page shows every screen, from finding the fund to tapping Subscribe, and what you should read before putting money in.
Daus will not pick a fund for you. The fund names in the screenshots are only examples to show the screens, not recommendations.
The short answer
- Where: Discover → Wealth. The funds are listed under Selected Funds, Cash Plus and USD Fund.
- How to buy: tap the fund → Buy → enter the ringgit amount → tick to agree to the documents → Subscribe.
- Where the money comes from: your Universal Account in Moomoo. If you haven’t deposited yet, deposit first.
- When units arrive: it follows the fund’s rules. For the equity fund Daus checked, a subscription made before 12 noon counts for that day, and units are confirmed the next day (T+1).
Step by step
Open Discover, then Wealth
Tap the Discover tab in the bottom bar. In the list, tap Wealth.
Once you have opened Wealth once, the Wealth icon usually shows up at the far right of the bottom bar, so next time you can tap it from there.
- Wealth
Know the three groups of funds in Wealth
The Wealth screen arranges funds into a few groups:
- Selected Funds — Moomoo’s picks of unit trust funds, for example AHAM, Eastspring and United equity funds, plus gold funds. The green or red number on the left is the 1Year Return, the return over the past year.
- Cash Plus — three money market funds, marked 0 Fees. Flexible Redemption. The number on the left is the 7D Yield (the annualised return based on the last 7 days). How to use it is in the Cash Plus tutorial.
- USD Fund — a money market fund in US dollars.
The Explore More Products button at the very bottom takes you to a longer list of funds.
The large card at the top (in this example a fund with a RM30,000 minimum) says Only for SI. SI means Sophisticated Investor, an investor who meets certain wealth or income requirements. Most beginners are not SIs, so skip funds like this for now.
- Selected Funds
- Cash Plus (0 Fees)
- Full list
Open the fund, and read the top row
Tap the fund name. The fund page shows:
- 1Year Return — the return over the past year, after the fund’s fees are deducted. This is past performance, not a promise.
- NAV (MYR) — the price of one unit of the fund. Unlike a share, a fund’s price is calculated once a day after the market closes, not every second.
- The Performance, Comments, News, Analysis and Profile tabs.
- The Subscription/Redemption Fees row at the bottom, and the Buy and RSP buttons.
The example fund in this screenshot has MYR Hedged in its name. It means the fund invests overseas but hedges the currency back to ringgit, so ups and downs in the ringgit have less effect on your returns.
- Buy
- 1Year Return and NAV
- Buy/sell fees
Before you buy: the Profile tab, know what the fund invests in
This is the step many people skip. Tap the Profile tab.
- Asset Class — the type of fund, for example Equity (shares), Money Market or Commodity.
- Fund Manager — who runs the fund.
- Fund Documents — the Fact Sheet, Annual Report and Product Highlight Sheet. The Product Highlight Sheet is a short official summary, a few pages long, of the fund’s risks, fees and objective. Read this one at least once.
Tap Overview to read the Investment Strategy. In this example, the fund actually puts at least 90% of its money into one other fund overseas, a global technology fund. A fund like this is called a feeder fund. So even though the fund is named “Global Transformation”, it is really a bet on the technology sector. You only see something like this when you read the Investment Strategy.
- Profile
- Fund documents
- Read this part
Tap Buy, enter the amount, and Subscribe
Go back to the fund page and tap Buy. The Subscribe screen opens:
- Paying Account — your Universal Account. The subscription money is taken from here.
- Fund name — make sure it is the right one.
- RM — type the ringgit amount. The grey text shows the fund’s minimum, for example Minimum 100MYR.
- Available Amount — the cash you can use.
- Fees — the subscription fee. In this example it is 0.00%.
Tick the box I have read and agree to the documents, then tap Subscribe.
This screenshot is from Daus’s account, with the balance hidden. Daus did not tap Subscribe in this example.
- RM amount
- Subscribe
- Money is taken from here
- Fee
When do the units arrive? Tap Rules on the Subscribe screen
Every fund has its own rules. On the Subscribe screen, tap Rules in the top right corner. The Subscription tab shows:
- Subscription flow
- Cut-off and cancelling
- Buy & sell charges
- Annual fee
For the equity fund in this example (checked in the app on 18 October 2026):
| What it means | |
|---|---|
| Min subscription | 100 MYR |
| Subscription fee | 0.00% |
| Cut-off | 12:00 noon (Malaysia time). A subscription before 12:00 counts for that day (day T). After 12:00 it counts for the next trading day. |
| Units confirmed | T+1, at day T’s NAV price |
| Return posted | T+2 |
| Cancel | You can cancel before 11:30am on day T |
| Closed days | Weekends, public holidays, and the dates in the Funds closed date list |
That means if you subscribe on a Monday at 10am, your price is Monday’s NAV, and the units land in your account on Tuesday. If you subscribe at 3pm, it counts for Tuesday.
Other funds may have a different minimum and cut-off. For the money market funds in Cash Plus, there is no charge to subscribe or sell, and the minimum is much lower. Always check the Rules tab of the fund you want to buy.
A 0% fee does not mean free
This is the most important part of this page.
The Fee tab has two sections:
- Transaction Fees — the charge when you buy and sell. For this example, 0.00% for both.
- Operation Fees — the annual management fee, in this example 1.8% a year. The app says this fee is already deducted from all returns, and you don’t pay it separately.
So you don’t see this fee on any receipt, but it is taken out a little at a time every day from the NAV price, every year, for as long as you hold the fund.
For comparison, a big index ETF such as the S&P 500 ETF that Daus holds has an annual fee of around 0.03% to 0.1%. That doesn’t mean unit trusts are bad. Some funds give you access to strategies that are hard to do yourself. But when you compare returns, keep this annual fee in mind.
The Trustee Fee, Performance Fee and Administration Fee rows in the Fee tab point to the Product Highlight Sheet. Tap the link under that tab to read the actual amounts.
How do you spot a Shariah fund?
In the Wealth list, Shariah-compliant funds usually have the word Shariah, Islamic or the suffix -i in the name. Examples in the screenshots: AHAM Shariah Gold Tracker Fund, Maybank Retail Money Market-I Fund and Eastspring Investments Islamic Income Fund.
The name alone isn’t enough to confirm it. Open Profile → Fund Documents and check the fund’s Product Highlight Sheet or prospectus. A Shariah-compliant fund will name its Shariah adviser. A wider guide to Shariah-compliant investing is in is it halal.
After you buy: read your fund’s gain or loss
Units that have arrived can be seen in Accounts → Funds (not Securities). There you will find:
- Net Assets — the value of all your funds.
- Last Chg — the change in value at the latest NAV price update. Because NAV is calculated once a day, this number changes once a day, not every second.
- Total Return at the top, and Total Chg for each fund — your overall gain or loss since you bought.
A screenshot of the Accounts → Funds screen is in the sell unit trusts tutorial.
Unit trust or ETF?
Many people ask which is better. The main differences:
| Unit trust (MYR Funds) | ETF | |
|---|---|---|
| Price | Once a day (NAV), after the cut-off | Moves every second while the market is open |
| Buy with | A ringgit amount | Units (or a USD amount for fractional) |
| Buy/sell fees in Moomoo | Many funds 0% (check the Fee tab) | A fee on every order, see Moomoo fees |
| Annual management fee | Usually higher (for example 1.8%) | Big index ETFs are usually low (around 0.03% to 0.1%) |
| Run by | A fund manager picks the investments | Most ETFs passively follow an index |
For money you want to keep at low risk and be able to take out quickly, the money market funds in Cash Plus suit better. For long-term investing, first read what is an ETF and how to choose shares or ETFs before you decide.
The fund page has an RSP button next to Buy. The idea is the same as a share RSP: you set the amount and the date, and the purchase runs by itself. How to set it up is in the RSP tutorial.
Before you tap Subscribe
- Last year’s return is not a promise. A fund that went up 13% last year can go down this year. In the same list, there are funds that lost more than 10% last year.
- Read the Investment Strategy. Know what the fund invests in, and whether it is concentrated in one sector.
- Check the annual fee, not just the buying fee.
- Know when you will need the money. Equity funds are for long-term money. Money you need soon is better kept somewhere stable, see short-term money.
This content shares how to use the app. It is not financial advice. The fund names in the screenshots are examples, not recommendations. The minimum, cut-off and fees were checked in the Moomoo app on 18 October 2026 for one equity fund; other funds may differ.
Know how to buy a fund now? Here is how to sell (redeem) when the time comes.
Once you have RM1,000 ready: register through Daus's link, enter the code DAUSDK37 under "Special Deposit" BEFORE your first deposit, deposit RM1,000 within 30 days of registering, tap Claim yourself, and keep the deposit in for 60 days. About RM150 for a RM1,000 deposit, up to RM1,500 for a larger one.
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