Mission 4 · After you have money in Versa
Versa Invest for beginners
21 Versa Invest funds explained - Core vs Thematic vs Feeder, what the risk label means, fees of 1.0% to 1.8%, T+3 to T+6 cash out, and forward pricing.
Quick answer
- Invest funds can drop in value. Use money you can leave untouched for 3 years or more.
- Three types: Core (ready-made mix), Thematic (single theme), Feeder (goes into one fund overseas).
- Cash out takes T+3 to T+6 business days, and the amount can differ slightly because of forward pricing.
What you need
- A verified Versa account
- Long-term money
- Understanding of your own risk profile (SAT result)
Invest isn’t Save
In Save (Versa Cash, Cash-i), the unit value rises slowly and rarely falls. In Invest, you hold fund units that invest in stocks, bonds, REITs or gold. The value can rise a lot, and can fall a lot. That’s the price for a shot at higher returns.
Three fund families
Core. A ready-built portfolio. Versa Growth and Versa Moderate are Versa’s own fund-of-funds combining global stocks and bonds. Versa Growth-i and Moderate-i are the Shariah versions focused on Malaysia. Good for people who don’t want to pick a theme.
Thematic. A single theme: gold (Versa Gold), Asian property (Versa REITs), Singapore (Versa SGD), global Shariah (Versa Global-i), Japan, Malaysian dividends (Dividend+), Malaysian bonds, Malaysian equities, Asia, Income-i and Emerging Growth-i.
Feeder. AHAM funds that funnel almost all the money into one overseas fund (the Target fundThe actual underlying fund a feeder fund invests into, for example the JPMorgan US Technology Fund.). For example Versa US-Tech into the JPMorgan US Technology Fund, and Versa India Equity into the Franklin India Fund. The minimum for US-Tech and India is Minimum for Versa US-Tech, India Equity and China Equity Tracker: RM1,000.
See all 29 products, filter by risk or Shariah status, and compare three funds side by side on the Fund Explorer.
Risk label: read it before buying
Versa labels every fund: Low, Moderate, High or Very High. This label shows how sharply the value can swing, not a forecast of profit. Gold, REIT and India funds are labelled Very High. Malaysian bonds are labelled Low.
Your Suitability Assessment Test result at sign-up gives a picture of the risk that suits you. You can still choose funds outside its suggestion, but understand what you’re buying first.
Fees: small, but every year
Versa doesn’t charge a sales charge (Sales charge: 0% on every product). But funds charge management and trustee fees every year, baked into the unit price. Invest fund management fees: Management fee for Invest funds: 1.00% to 1.80% a year (most are 1.50% or 1.80%). Versa Growth and Moderate carry an extra fee inside the underlying fund (around 0.6% to 0.8%). Versa Gold is the lowest: Versa Gold fees: management 0.30%, trustee 0.03% a year.
A 1.5% fee looks small, but on RM10,000 it’s roughly RM150 a year, whether the market goes up or down. The app shows net returns after fees and SST (SST on fees: 8% since 1 Oct 2025, already inside the unit price).
Distributions paid as units
Some funds (like Dividend+, Malaysia Bond, SGD) pay a Income distributionA fund's income payout, paid out as extra units.. On Versa, distributions are paid as additional units, not cash to your bank. In your transaction history it shows up as “reinvestment”.
Cash out and forward pricing
Invest funds take longer to reach your bank:
| Fund | Cut-off | Reaches bank |
|---|---|---|
| Versa Cash-i | 10 am | Same day (T) |
| Versa Cash | 3 pm | T+1 |
| Versa Growth-i | 3 pm | T+3 |
| Versa Malaysia Bond | 3 pm | T+3 |
| Versa Moderate-i | 3 pm | T+3 |
| Versa Gold | 3 pm | T+4 |
| Versa China Equity Tracker | 3 pm | T+5 |
| Versa Global-i | 3 pm | T+5 |
| Versa India Equity | 3 pm | T+5 |
| Versa REITs | 3 pm | T+5 |
| Versa SGD | 3 pm | T+5 |
| Versa US-Tech | 3 pm | T+5 |
| Versa Dividend+ | 3 pm | T+6 |
| Versa Growth | 3 pm | T+6 |
| Versa Japan | 3 pm | T+6 |
| Versa Moderate | 3 pm | T+6 |
| Versa Asia Growth | 3 pm | not confirmed |
| Versa Emerging Growth-i | 3 pm | not confirmed |
| Versa Global Bond | 3 pm | not confirmed |
| Versa Income-i | 3 pm | not confirmed |
| Versa Malaysia Growth | 3 pm | not confirmed |
| Versa Malaysia Moderate | 3 pm | not confirmed |
| Versa USD Bond | 3 pm | not confirmed |
Business days. T = processing day (before cut-off on a business day, or the next business day).Versa Help Centre #12596271338135 ↗
Here’s something a lot of people don’t expect: Cash-out amount can differ: forward pricing: the next calculated unit price is used. When you request a cash out of RM1,000, the number of units is locked, but the unit price used is the price on the processing day. So what arrives could be RM990 or RM1,010. Normal, not a system error.
How to start safely
- Make sure your emergency fund is already in Save first.
- Start small (RM100 minimum) to get a feel for the value moving up and down.
- Want to be consistent? Use monthly Auto Save. Auto Save RM500 into Invest also unlocks the Invest Booster Quest 2026.
- Check it once a month, not every day.
Common questions on this topic
Which funds are Shariah-compliant?
Cash-i, Gold, Growth-i, Moderate-i, Global-i, Income-i, Emerging Growth-i, and three PRS-i funds.
Is dividend paid out as cash?
No, it's paid as extra units, shown as "reinvestment" in your transaction history.
What fees are involved?
Versa itself doesn't charge anything. The fund charges a management fee (0.30% for Cash and Gold, 0.50% for Cash-i, 1.00% to 1.80% for Invest funds, mostly 1.50% or 1.80%) and a trustee fee, all baked into the unit price, with no sales charge.
Source: Versa Help Centre #12622344609687 ↗ · Versa Help Centre #12621457689495 ↗
What is time-weighted return?
It's a way of measuring fund performance from your first deposit that isn't affected by how many times you moved money in and out. That's why a "87% return" can look bigger than your actual RM profit.
No Versa yet? Sign up with code VDAUSDK
Sign up with code VDAUSDK, get verified, and make a first cash-in of RM100 or more in one transaction. RM10 is credited as units within 30 business days. Later top-ups do not count.
Daus earns a referral commission when you sign up with this code or link and make your first cash-in. It costs you nothing extra; your RM10 reward comes from Versa under their T&C. Not financial advice.
Past returns do not guarantee future returns. Unit prices can go down. Not financial advice.