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Investor Guide

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Regular Investment Authorisation (RIA)

Regular Investment Authorisation (RIA) is a facility that allows you to switch units from your Bond / Fixed Income / Money Market fund account(s) at a pre-determined interval (monthly/bi-monthly/quarterly/semi-annually/annually) to Equity / Mixed Asset / Balanced Funds.  

Click to know more: 2023 (2021) PM RIA eBrochure (E)

  • Execution can be done anytime via PMO.

  • A disciplined investment approach towards achieving your long-term financial goals.
  • Reduces the risk associated with a single large lump-sum investment.
  • Avoid market timing and invest in Equity / Mixed Asset / Balanced Funds on a regular basis with ease.

The intervals available to register the RIA are Monthly, Bi-monthly, Quarterly, Semi-annually and Annually.

The RIA deduction date can be any date from the 1st to 28th of the month. If the RIA deduction date falls on a non-business day, the RIA will be processed based on the price determined for the next business day.

The RIA can be registered via Public Mutual Online (PMO) by following the steps below:

  1) Log in to PMO > Menu Button > Select ‘Accounts’ > Click on ‘Regular Investment Authorisation’.

  2) Select ‘Switch From Account No.’.

  3) Read and understand the Terms & Conditions of Regular Investment Authorisation (RIA).

  4) Select ‘Switch-To Fund’, enter the Regular Investment Authorisation Details and click on ‘Proceed’.

  5) Read and understand the Product Highlights Sheet and Prospectus/Information Memorandum of the intended Switch-To Fund and click on 'Agree'.

  6) Click ‘Confirm’ to submit your RIA request.

  7) Launch the PMO PLUS mobile app and tap the "SecureSign" icon to authenticate your request.

  8) Return to PMO for final confirmation of your request status to complete the process.

  9) View and print the digital receipt (if required).

Switching Into

From

Sales/Switching Charges

Equity/Mixed Asset/ Balanced Funds

Zero-load units

Sales Charge of up to 5%

Low-load units

Sales Charge of up to 4.75%

0.65%-load units

Sales Charge of up to 3.10%

1%-load units

Sales Charge of up to 4%

Partial-load units

Up to 0.50%*

Loaded units from Bond/Fixed Income funds within 90 days^

Up to 0.25%*

Loaded units from Bond/Fixed Income funds after 90 days^

Up to RM50 per transaction

(or zero for the e-Series of Funds / free for Privilege Circle Members via PMO)

(Should there be any discrepancies between the charges above and the prevailing Prospectus of the funds at the time of submission of the online switching request, the terms of the Prospectus will take precedence.)
* subject to a minimum charge of RM50 per transaction (or a minimum of RM1 per transaction for the e-Series of Funds)
^ from the date of investment into the switch-out fund
There will be no switching charges imposed for the switching of units under the EPF scheme and switching from Money Market funds made within and after 90 days.

  • The minimum amount for switching under the RIA is RM1,000, except for the conditions below:

Switch From (Money Market Funds)

Switch To (Equity / Mixed Asset / Balanced Funds)

Minimum Amount

e-Series

e-Series

RM100

Public Series / PB Series

Public Series / PB Series (existing account)

RM100
  • You will be required to specify the number of deductions and the switching intervals under the RIA. Your RIA will continue until the tenure indicated expires, regardless of whether the switching transactions are successful.
  • Your RIA shall take effect on your selected date at the pre-determined interval upon the successful registration of the RIA. If the date selected for the RIA is the same as the date of registration, the first switching under the RIA will take effect the following month.
  • For accounts with units of multiple load types, the highest load units (e.g. loaded units) will be switched out first, followed by the lower-load units (e.g. 1%-load units).
  • The switching charge and any applicable taxes and/or duties (if any) imposed are deducted from the redemption proceeds and the net proceeds will be processed as the investment amount into the ‘Switch-To’ accounts based on the NAV per unit at the close of the business day.
  • Fees and charges may be subject to any applicable taxes and/or duties (if any) which are payable by you.
  • The RIA will not be effected if the switch-out will result in less than 1,000 units being held or if there are insufficient funds in your account for the switching to take place. 

The RIA can be de-registered via Public Mutual Online (PMO) by following the steps below:

  1) Log in to PMO > Menu Button > Select ‘Accounts’ > Click on ‘Regular Investment Authorisation’.

  2) Tick the account under ‘Select to De-register’.

  3) Click ‘De-register Selected RIA’.

  4) Click ‘Confirm’ to submit your request to de-register the RIA.

  5) Launch the PMO PLUS mobile app and tap the "SecureSign" icon to authenticate your request.

  6) Return to PMO for final confirmation of your request status to complete the process.

  7) View and print the digital receipt (if required).


The RIA will be deactivated upon successful de-registration.

You are required to de-register the RIA and re-register a new RIA with the new amount in Public Mutual Online (PMO).