I became a unit trust agent of Public Mutual since 2005. I have a great passion to empower people, especially families with children in their 20’s – 40’s, to build a stream of retirement income, regardless of market condition.

In fact with the right methodologies, we can achieve it together potentially 5-10 years earlier.

Unit Trust Agent generate income from personal financial services with an emphasis on long-term benefits to investors.

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Benefits of being Public Mutual’s unit trust Agent:

  • Opportunity to build your own business at almost no cost.
  • Flexible working hours.
  • Enjoy up to eight types of income.
  • Achieve financial independence.
  • Free trips and recognition.
  • Special housing and car loan subsidy.

Why Join the No 1 Unit Trust Company In Malaysia


  • The Brand Laureate Best Brands Awards 2015-2016
  • Reader’s Digest Trusted Brand Platinum Award 2016
  • The Asset Triple A Islamic Finance Awards 2016
  • The Edge | Thomson Reuters Lipper Fund Awards 2016
  • 2016 Morningstar Malaysia Fund Awards

With up to 265 awards won to date, Public Mutual is here to stay.

public mutual agen unit trust

Reasons to become a Unit Trust Agent

Industry-wide, financial services firms are eager to hire the next generation of leaders

More investors than ever are seeking the advice of professionals in the wake of the economic uncertainty, creating an increasing need for the next generation of financial advisers

Large amount of wealth will be transferred to the next generation of investors over the course of the next 30 years. As this wealth is transferred, many in the next generation will be looking to align themselves with new financial advisers

In a 2012 Cerulli Associates report, only 7.9% of financial advisers were women. At the same time, women have decision-making power over 39% of all investable assets.

This need for female financial advisers provides ample opportunity for women interested in a career in the financial services industry


Unit Trust Agent Income

There are 8 types of income that are offered to you as a Unit Trust Agent. Interestingly, this income can be passed on to our next generation.

  1. Direct Commission
  2. Carrier Benefit
  3. Overriding
  4. Year End Bonus
  5. Breakaway bonus
  6. Appreciation bonus
  7. Equalization bonus
  8. Annual Performance Bonus

Being a Unit Trust Agent is not a lucrative venture if it is not followed up with hard work and excellent service. At the same time, you have nothing to lose by becoming a Unit Trust Agent.

Super Star Unit Trust Agent earn six-figure income a month. They are rare species and highly valued. They build influence by giving superior service to investor and creating success with whoever joining them.

They are like a money magnet and the public is also interested to invest with them.

How they generate income from selling unit trust?


# 1 Direct Commission

Direct Commission is payable to the unit trust agent who holds a valid contract with Public Mutual and is registered and licensed to distribute the scheme. For example, a Unit Trust Agent will receive 2.75% of the total cash investment secured.  .

Example of Direct Commission;

First month you bring in RM 100,000 sales, you get RM 2,750

Second month you bring in RM 150,000 sales, you get RM 4,125

Third month you bring in RM 200,000 sales, you get RM5,500

Fourth month your bring in RM 200,000 sales, you get RM5,500

Interestingly, the customers will continue to invest for 10 to 25 years with you. It is good if there are repeat sales like this, isn’t it?

Let’s guess how much the Unit Trust Agent earns in the form of direct commission as compared to the profit made by the investors.

For example, of RM100,000 investment capital, available amount after sales charges of 5.5% is RM94,786.73.

Calculate the account value after 20 years at the rate of return of 10% per annum?


FV = PV × (1 + i)n

FV = RM94,786.73 × (1 + 0.1)20

FV = RM637,677.72

Profit = RM637,677.72 – RM100,000

RM 537,677.72!

FV = Future Value, PV = Present Value

Investors will get more value (RM 537,677) than the RM2700 direct commission received by the Unit Trust Agent 20 years ago.

The longer the time the better the investment return. It is therefore very important for the Unit Trust Agent to provide continuous service to investors even if this is just a direct commission for one transaction only.

#2 Carrier Benefit

Carrier benefit is a commission that is calculated from the size of investment assets that we manage. Over the years, the asset under my management have grown tremendously.

Suppose there are 10 investors who invest RM 1 million each, then the total assets I am managing is RM 10 million.

From the RM 10 million assets under my management, I will get paid 0.00066% daily. In this example the amount is RM 66 every day.

This income will increase as the assets under management increase. Assuming all investors continue to invest for another ten years, at the rate of 10% per annum, the assets under my management will rise to RM 24 million. So my carrier benefit will double passively.

This means that my passive income will increase with the value of my client investments. And vice versa if the value of investments declined.

To increase the value of client investments, I must do the following three things:

  • Monitor the performance of investment
  • Balance the investment portfolio accordingly
  • Identify opportunities for the benefit of investors

Failing to do so or simply running away from unhappy investors will cause investors to pull out their investments and thus shrink the size of investment assets that I manage.

For example, if all investors decide to withdraw all of their investments in the second year, my carrier benefit will fall to zero.

Carrier benefit is to encourage long term relationship with investor. This will align perfectly with investor objective for long term investment.

# 3 Overriding

Promotion in Unit Trust Agent career depends on your own. You decide what rank you want.

The highest rank in this career is Group Agency Manager (GAM). Direct commissions payable to GAM is 2.6% for EPF scheme. If the GAM downline make sales in the EPF scheme for example, he/she the GAM will get paid an overriding commission of 0.6%.

What if the GAM has 100 downline under him?

Interestingly as a leader, not only they earn direct overriding commission, but the GAM also earn indirectly from the downline.

This is the power of duplication. Look at the structure below.


On level one, you only have 5 commanders. A, B, C, D and E. Each of them goes on to make another duplication of their own 5 commanders. They copy you.

This will make an agency structure that consists of 155 manpower or womanpower. If each of them works 8 hours a day, then you generate 1240 man hours a day working with you!

This new 5 commanders is just for starters. What if you could produce 20 or 40 commanders? Ehmm … countless woman hours!

# 4 Year End Bonus

Year-end bonus is paid for the personal sale of more than RM 400,000 per year at the rate of 0.15%. The higher your personal sale is, the higher the rate. The maximum rate is 0.3% for the personal sale of more than RM 1.5 million.

# 5 Breakaway Bonus

Breakaway Bonus is an incentive payable to the recruiter at GAM rank in recognition of the recruiter’s effort and achievement in guiding and grooming another Unit Trust Agent who is his downline, until the downline’s promotion to UTC-GAM/SCM rank.

Total bonuses is RM 20,000.

# 6 Appreciation Bonus

Once off RM 10,000 Appreciation Bonus is an incentive payable to GAM who is the immediate upline of the newly promoted GAM in the event that the recruited is promoted ahead of his recruiter.

# 7 Equalization Bonus

Equalization Bonus is an incentive payable to the upline when the downline equalises with the recruiter/immediate upline.

While at the rank of Group Agency Manager, 0.06% will be paid perpetually. Yes, perpetual bonus!

# 8 Annual Performance Bonus

This bonus is paid to the Top 25% GAM or GAMs who achieve group sales of RM 60 million a year.

Those are the 8 types of income available to you as a Unit Trust Agent. It all starts with your first sale with/to? the client first. And then repeat it again from person to person. This process is then emulated by your downline too.

9 Additional Benefits

In addition to the cash earnings, there are 9 types of additional benefits of becoming a UTC. Yes, there are 9 more!

  1. Free Overseas Incentive Trip
  2. Group Agency Manager Oversea Retreat
  3. Housing Loan Subsidy Scheme
  4. Car Loan Subsidy Scheme
  5. Computer Loan Interest Subsidy
  6. UTC’s Personal Plan
  7. Benefits for Deceased Parent’s Beneficiary
  8. Benefits for Deceased PRC’s Beneficiary
  9. Free Term Life and Personal Accident Coverage


Eligibility for registration as a Unit Trust Agent

Any person who meets the following requirements is eligible to register as a Unit Trust Agent:

  • Must be 21 years old or above;
  • Must obtain credits in any three (3) subjects in SPM or equivalent or academic qualification (s) higher than SPM;
  • Must be fit and proper;

The person must sign a statutory declaration attesting to the above attributes and must not be in breach of the signed statutory declaration at all times.

Upon satisfying the requirements, the person must pass the Computerised Unit Trust Examination (CUTE) before being authorised to market and distribute UTS. A person who does not satisfy the basic requirements will not be registered to sit for the CUTE.

What you should do:

Prepare the necessary documents as below:

  1. IC Photocopy – 2 pieces
  2. Passport pictures – 4 pieces
  3. A Photocopy and original copy of SPM/Diploma/Degree Certificate
  4. RM250 exam fees.

Contact Me, Elias at 0127176903

or Register here.


I will help you to get the date of the examination. Tutorials will be given based on the past exam. You are also required to undergo two courses. Each course takes 8 hours.

Then you will sit on a two-hour exam. Once you have passed the exam, you will officially become a licensed Unit Trust Agent, under FIMM and Public Mutual. The license to promote Public Mutual unit trust.

How To Become Unit Trust Agent In Malaysia

20 thoughts on “How To Become Unit Trust Agent In Malaysia

  • April 30, 2017 at 9:30 pm

    If I am working in Alliance Malaysia Bank, can I still become a unit trust agent? Thank you.

  • May 2, 2017 at 2:23 pm

    hi there ,
    could i take the unit trust advisor as part time job after i pass the exam? i am just graduated recently and still looking for my first job. However, i am very interested on unit trust which i wanted to take it as my part time job first.

    • May 2, 2017 at 2:33 pm

      Hi Huo, yes you can do unit trust advisor as part time.. text or Whatsapp me Elias 0127176903

  • June 1, 2017 at 10:40 am

    Hi Elias,

    I’m Manu here. I am interested to become unit trust agent. Currently, I am working in a Remittance company under regular working hours (5 days). So, is it possible if I do Unit Trust as part time basis after passing the exam?

    • June 1, 2017 at 11:19 am

      Hi Manu, yes you can do part time. For exam info, please contact me at 0127176903

  • July 13, 2017 at 2:55 pm


    Can a person under AKPK become a unit trust agent?

    • August 24, 2017 at 2:21 pm

      What age limit to become unit trust agent.

  • October 25, 2017 at 4:55 am

    I m retired almost 10 years any my age is 44 years old. Can I join as a full time agent ? Is there any age limitation? Please advise. Thanks.

  • April 18, 2018 at 9:42 pm

    I almost join public mutual as an agent and a guy from Manulife approached me and said they return are better and i saw he spoke to a friend of mine and he took his money for Public mutual fund and invested in Manulife. Im confuse to join as which agent now. Please advise

    • April 19, 2018 at 10:29 am

      for me, Public Mutual is no 1, strong brand and proven track records. Contact me if you need more information

  • June 21, 2018 at 8:14 am

    Hi… I’m staff government .can I join to be agent public mutual to make side income

    • June 21, 2018 at 10:03 am

      Boleh tuan.. WhatsApp saya 0127176903 untuk tahu caranya

  • February 12, 2019 at 4:06 am

    Salam, boleh tak sy nk belajar dgn tuan dan dapatkan tips2 sbg unit trust consultant? Sy duduk di cyberjaya. Sekarang sy baru register sbg UTC, tp agak jauh nk ke tempat training di KL.

  • July 24, 2020 at 10:57 pm

    I am interest to become a Unit Trust Agent, please advise. However i am a foreigner working in Malaysia. Am I allowed to become an agent? Thank you in advance for your reply.

  • September 29, 2020 at 10:45 am

    Hi Please advise more o commission structure. Any target to achieve in a month?

  • October 25, 2020 at 9:14 pm

    can you share what inspire you become UTC, since you had a stable job in PETRONAS CARIGALI earlier?

  • November 30, 2020 at 11:18 pm

    any minimum target as part time for public mutual?


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