Compare 19 Shariah-compliant products from 9 providers available in Sabah. Every listing includes Shariah oversight details, ratings, and direct provider links.
Flagship Shariah equity fund of AHAM Asset Management (formerly Affin Hwang Asset Management), launched 8 October 2002 at RM0.50. Maximum sales charge 6.50% via IUTA channels or 5.50% via internal channels and consultants, management fee up to 1.50% per annum, minimum initial investment RM1,000 with RM100 additions (fund page, crawled 2026-08-06).
Best for: Investors who want Amanie-advised active Shariah equity from a large multi-asset house
Type
mutual_fund
Expense Ratio
Up to 1.50% management, sales charge up to 6.50% (IUTA) or 5.50% (internal)
Islamic money market fund from AHAM Asset Management, launched 13 November 2008. No sales charge, management fee up to 0.50% per annum of NAV, minimum initial investment RM1,000 with RM100 additions (fund page, crawled 2026-08-06).
Best for: Halal cash management alongside AHAM equity holdings
Aggressive-growth Shariah equity fund from BIMB Investment, the Bank Islam subsidiary, with commencement date 30 June 1994. Benchmarked to the FBM Emas Shariah Index with 70% to 98% in Shariah-compliant equities. Sales charge up to 5.00% of NAV per unit, management fee 1.50% per annum, trustee fee 0.06%, minimum initial investment RM500 with RM100 additions (fund page and PHS dated 29 August 2025, crawled 2026-08-07).
Best for: Investors who want an Islamic-only, bank-backed fund house with the lowest entry minimum among the flagships
Type
mutual_fund
Expense Ratio
1.50% management, 0.06% trustee, up to 5.00% sales charge
Shariah dividend ETF listed on Bursa Malaysia on 21 March 2014, tracking the MSCI Malaysia IMI Islamic High Dividend Yield 10/40 Index. Management fee 0.400% per annum, trustee fee 0.045%, stock code 0824EA (fund page, crawled 2026-08-06).
Best for: Passive halal dividend income at a quarter of active fund fees
Type
etf
Expense Ratio
0.400% management, 0.045% trustee
Min Investment
One board lot (100 units) via any Bursa Malaysia broker
Eq8 Dow Jones Islamic Market Malaysia Titans 25 ETF (EQ8MY25)
The first Shariah ETF listed in Asia, launched on Bursa Malaysia on 21 January 2008 as MyETF-DJIM25 and now branded EQ8MY25. Tracks the Dow Jones Islamic Market Malaysia Titans 25 Index of the 25 largest Shariah-compliant Malaysian companies. Management fee 0.40% per annum, trustee fee 0.05%, stock code 0821EA (fund page, crawled 2026-08-06).
Best for: Low-cost passive exposure to Malaysia's 25 largest halal companies through any broker
Type
etf
Expense Ratio
0.40% management, 0.05% trustee
Min Investment
One board lot (100 units) via any Bursa Malaysia broker
Islamic US equity ETF listed on Bursa Malaysia on 28 February 2018, tracking 50 large US Shariah-screened companies. Management fee 0.400% per annum, trustee fee 0.035%, stock code 0827EA. Listed in Eq8's own notice among its five Islamic ETFs (fund page and notice, crawled 2026-08-06).
Best for: Ringgit-quoted halal US mega-cap exposure on the local exchange
Type
etf
Expense Ratio
0.400% management, 0.035% trustee
Min Investment
One board lot (100 units) via any Bursa Malaysia broker
Feeder-style Shariah fund launched 22 April 2026 giving Malaysian investors access to 50 large US companies screened for Shariah compliance. Management fee up to 1.20% per annum of NAV, minimum initial investment RM1,000 (fund page, crawled 2026-08-06).
Best for: Halal US large-cap exposure in ringgit without opening a foreign brokerage account
Fixed income fund from Maybank Asset Management investing in Malaysian sukuk. Sales charge up to 2.00% of NAV per unit, annual management fee 0.35% of NAV, annual trustee fee 0.05%. Launch date is not published on the fund page; fee data from the official fund listing (crawled 2026-08-07).
Best for: Low-cost pure sukuk exposure for conservative halal income
Type
mutual_fund
Expense Ratio
0.35% management, 0.05% trustee, up to 2.00% sales charge
Min Investment
See prospectus (not published on fund page, crawled 2026-08-07)
Shariah-compliant Malaysian equity fund from Maybank Asset Management targeting steady capital growth over the medium to long term. Sales charge up to 5.50% of NAV per unit, annual management fee 1.5% of NAV, annual trustee fee 0.08% subject to a minimum of RM18,000. Launch date is not published on the fund page; fee data from the fund's official listing (crawled 2026-08-07).
Best for: Maybank group customers who want the bank's own halal Malaysian equity mandate
Type
mutual_fund
Expense Ratio
1.5% management, 0.08% trustee, up to 5.50% sales charge
Min Investment
See prospectus (not published on fund page, crawled 2026-08-07)
Sukuk-focused Islamic fund from Principal Malaysia, launched 23 February 2005, with a small Shariah equity allocation. Benchmark is 85% CIMB Islamic 1-month FRIA-i plus 15% FBM EMAS Shariah Index. Application fee up to 2.00% of NAV per unit, management fee up to 1.00% per annum, trustee fee up to 0.03% per annum (fund page, crawled 2026-08-07).
Best for: Conservative investors who want sukuk income with a small halal equity kicker
Type
mutual_fund
Expense Ratio
Up to 1.00% management, up to 0.03% trustee, up to 2.00% application fee
Min Investment
See prospectus; minimum withdrawal 500 units (fund page, crawled 2026-08-07)
Fee
Up to 1.00% per year of NAV
Islamic sukuk fund with equity enhancementNationwide
Principal Malaysia's flagship Islamic equity fund, launched 7 May 1998, benchmarked against the FTSE Bursa Malaysia EMAS Shariah Index. Application fee up to 6.50% of NAV per unit, management fee up to 1.50% per annum, trustee fee up to 0.045% per annum. Fund size RM745 million with since-inception return of 562% as at 30 June 2026 (fund page, crawled 2026-08-07).
Best for: Investors who want the longest-branded Islamic equity franchise in Malaysia with a published Shariah benchmark
Type
mutual_fund
Expense Ratio
Up to 1.50% management, up to 0.045% trustee, up to 6.50% application fee
Min Investment
See prospectus; minimum withdrawal 200 units (fund page, crawled 2026-08-07)
Islamic money market fund from Principal Malaysia, launched 17 March 2008. No application fee, management fee up to 0.40% per annum, trustee fee up to 0.02% per annum, minimum initial investment RM10,000. Benchmarked against the CIMB Islamic 1-Month Fixed Return Income Account-i rate (fund page, crawled 2026-08-07).
Best for: Larger cash balances that need a halal home with daily dealing
Type
mutual_fund
Expense Ratio
Up to 0.40% management, up to 0.02% trustee, no application fee
Islamic money market unit trust from Public Mutual, in operation since commencement on 5 June 2007. Parks cash in Islamic money market instruments and deposits. No sales charge, 0.375% annual management fee, 0.02% trustee fee, RM1,000 minimum initial investment (Product Highlights Sheet, crawled 2026-08-06).
Best for: Cash parking in a halal instrument with daily liquidity and no entry fee
Islamic equity income unit trust from Public Mutual that targets Shariah-compliant stocks with attractive dividend yields, in operation since commencement on 6 March 2006. Sales charge up to 5.0% of NAV per unit, 1.50% annual management fee, 0.06% trustee fee, RM1,000 minimum initial investment (Product Highlights Sheet, crawled 2026-08-06).
Best for: Income-oriented investors who want halal dividend stocks with a 20-year fund history
Type
mutual_fund
Expense Ratio
1.50% management, 0.06% trustee, up to 5.0% sales charge
Min Investment
RM1,000 initial (PHS, crawled 2026-08-06)
Fee
1.50% per year of NAV
Shariah-compliant dividend equity unit trustNationwide
Public Mutual's flagship Islamic equity unit trust, in operation since commencement on 9 May 1997. Invests in a portfolio of Shariah-compliant Malaysian equities for capital growth. Sales charge up to 5.0% of NAV per unit, 1.50% annual management fee, 0.06% annual trustee fee, RM1,000 minimum initial investment (Product Highlights Sheet, crawled 2026-08-06).
Best for: Investors who want Malaysia's largest Islamic fund house and a nearly three-decade equity track record
Type
mutual_fund
Expense Ratio
1.50% management, 0.06% trustee, up to 5.0% sales charge
Globally diversified Shariah-compliant robo portfolio from StashAway Malaysia Sdn Bhd (SC licence eCMSL/A0352/2018), built from Islamic-screened equity ETFs, global sukuk and physical gold across four risk levels. Management fee 0.2% to 0.8% per annum on StashAway's standard tiered schedule, no minimum investment and no lock-in (Shariah portfolio and pricing pages, crawled 2026-08-06).
Best for: Cost-conscious investors who want certified global halal diversification with no minimum
Type
robo_advisor
Expense Ratio
Management fee plus underlying ETF expense ratios (approximately 0.2% p.a. per StashAway pricing page)
Min Investment
No minimum (portfolio page, crawled 2026-08-06)
Fee
0.2% to 0.8% per year (tiered by total investment)
Shariah-endorsed global robo portfolioNationwideEst. 2017
Halal robo-advisory managed portfolios from Wahed Technologies Sdn Bhd, licensed by the Securities Commission Malaysia. Annual fee 0.79% for balances from RM100 to RM499,999 and 0.39% for RM500,000 and above, inclusive of management and custody; RM1 charge applies to FPX or direct debit deposits. Six risk levels plus a physical gold portfolio (Malaysia pricing page, crawled 2026-08-06).
Best for: Hands-off halal investing from RM100 with a single all-in fee
Type
robo_advisor
Expense Ratio
Wrap fee inclusive of management and custody; underlying fund costs additional
Malaysia's Islamic fund market is one of the world's deepest, but fees vary enormously between channels. Four checks protect your return.
1
Sales Charges First
Agent-sold unit trusts carry sales charges up to 5% to 6.5% per contribution; Bursa-listed Shariah ETFs and money market funds carry none. On recurring investments, the entry charge often outweighs every other fee line.
2
Annual Management Fees
Published fees in our dataset: active Islamic equity funds cluster at 1.50%, sukuk funds 0.35% to 1.00%, money market funds 0.375% to 0.50%, and index ETFs 0.40%. Robo-advisors charge wrap fees plus underlying fund costs.
3
Screening and Purification
Malaysian funds screen against the SC Shariah Advisory Council's list or international indices (Dow Jones Islamic Market, MSCI Islamic). Check the fund's stated screen and how purification of incidental income is handled and reported.
4
Named Governance
Prefer managers who name their Shariah adviser or committee publicly and publish compliance reports. All managers in our dataset are SC-licensed; disclosure depth still varies.
Shariah Oversight in Sabah
How providers available in Sabah handle Shariah compliance verification
5 providers
Formal Shariah Board
Independent panel of scholars that reviews and approves products
2 providers
Named Scholar
Specific scholar(s) provide oversight and endorsement
2 providers
No Public Review
No formal Shariah board or fatwa published publicly
Frequently Asked Questions
Common questions about islamic investing in Sabah
What makes an investment halal?
The business must be permissible (no conventional finance, gambling, liquor, or other prohibited activities) and financial ratios must pass screening limits. Malaysia's standard reference is the Shariah Advisory Council of the Securities Commission Malaysia, which screens the entire stock exchange and publishes the official list of Shariah-compliant securities twice a year. Funds and portfolios in our dataset invest within that framework or equivalent international screens.
Can I invest in halal funds from Sabah?
Yes. All 19 products we list from 9 providers are accessible from Sabah: unit trusts, ETFs, and robo-advisors are national digital products regardless of where the manager's offices sit.
What are the low-risk options?
Islamic money market funds park cash in Islamic deposits and short-term instruments, with the lowest fees on the shelf: published management fees run 0.375% to 0.50% per annum with no sales charge at Public Mutual, Principal, and AHAM (prospectus disclosures in our dataset). They suit emergency funds and short-horizon savings; they are investments, not deposits, so they carry no PIDM protection.
How do I get halal stock market exposure?
Three routes: actively managed Islamic equity unit trusts (typically 1.50% management fees plus sales charges up to 5% to 6.5% through agents), Shariah index ETFs on Bursa Malaysia from Eq8 Capital (0.40% management, no sales charge, bought through any broker), or robo-advisors (Wahed Malaysia's halal portfolios and StashAway's Shariah portfolio) with all-in advisory fees and low minimums. Direct stock pickers can screen against the SC's Shariah-compliant securities list.
What should I check before choosing a fund?
The sales charge (the biggest cost difference: up to 6.5% through some channels versus zero on ETFs and money market funds), the annual management fee, the fund's record against its benchmark, and the named Shariah adviser. All funds in our dataset are from SC-licensed managers; disclosure quality still varies.
How practical is Islamic banking outside Kota Kinabalu?
Increasingly practical, thanks to digital channels: the Islamic digital banks onboard by app with eKYC, motor takaful renews online, and the fund and robo platforms are location-independent. Branch-dependent services concentrate in KK, Sandakan, and Tawau; plan property financing paperwork around those centers.
Are Sabah deposits protected the same way as peninsular deposits?
Yes. PIDM protection (RM250,000 per depositor per member bank, Islamic and conventional protected separately) is federal and applies identically in Sabah. The same DFI caveat applies too: Agrobank and Bank Rakyat deposits sit outside PIDM everywhere in Malaysia.
How to Choose the Right Option in Sabah
A step-by-step guide to evaluating islamic investing providers
1
Verify Shariah governance
Check whether the provider has a named Shariah committee under BNM's Shariah Governance Framework, or Shariah advisers registered with the Securities Commission for funds. Named scholars and published Shariah rulings are the strongest signals.
2
Compare financing structures
Understand whether the product uses Diminishing Musharakah, Murabaha, Ijarah, Mudarabah, or Wakalah. Each has different risk, ownership, and cost implications, especially for early settlement.
3
Check branch and city coverage
Some products are offered nationwide through large branch networks or digital apps; others are limited to specific cities. Confirm the provider serves your city before applying.
4
Evaluate total cost
Look past the headline rate. For financing, ask for the effective profit rate including its spread over the Standardised Base Rate (SBR), processing fees, takaful cost, and documentation charges. For deposits, compare published rates, not marketing tiers.
5
Read the fine print on rates
Hibah on savings accounts is discretionary and declared after the fact, and variable financing rates reprice when BNM moves the OPR. Ask for the historical rate record and the repricing mechanics in writing.
6
Consult a qualified advisor
For major decisions, speak with the bank's Shariah compliance department and, where the sums are large, an independent Islamic finance advisor who understands your situation.
Halal Finance Score
Are your investments Shariah-screened? Check all 7 categories.
A region-level view of islamic investing availability based on our latest provider dataset.
Total products in Sabah
19
Nationwide options
19
Region-specific options
0
Top providers currently available in Sabah
AHAM Asset Management, BIMB Investment, Eq8 Capital, Kenanga Investors, Maybank Asset Management and 4 more
Halal Finance in Sabah: Market Overview
Sabah's halal finance access is honest work to describe: every product in our dataset formally serves the state, but branch density outside Kota Kinabalu, Sandakan, and Tawau thins quickly, and East Malaysia's distances make digital channels genuinely important rather than merely convenient. The Islamic digital banks (AEON Bank, KAF Digital Bank) onboard entirely by app with eKYC, the fund platforms and robo-advisors work anywhere, and motor takaful renews online. For in-person banking, the major Islamic subsidiaries and Bank Islam maintain KK-centered networks. Zakat is administered by Pusat Zakat Sabah under the state religious council.
Also Available in Sabah
Explore other halal financial products for Sabah residents
Reviewed by: HalalWallet Editorial Team•Last reviewed: 2026-03-06•Disclosure: No provider pays for placement or ranking on this page. Editorial policy and full disclosures.
Reviewed monthly and updated when regional availability, provider coverage, or product details change.
How We Review Investing in Sabah
We prioritize data accuracy, transparency, and Shariah-related disclosures. Product availability and details are sourced from provider materials and our structured product dataset. We do not fabricate statistics, reviews, or financial projections.
Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.
