Saturna’s Investment Management Accounts (IMAs) offer personalized portfolio management services that rival those typically reserved for large institutional clients. By conducting a thorough analysis of your financial situation, goals, and risk tolerance, we create a simple statement of investment objectives to guide your portfolio management.
All Investment Management Account clients complete the Saturna Sdn Bhd Investment Management Agreement, which details the terms of our relationship.
To learn more about the unique advantages of Saturna’s Services offerings and more, visit our Services landing page
Requirements and Fees
Clients have their choice of two fee structures:
Note: Investment Management Accounts are currently not available to open online. Please contact us.
Annual Asset-based Fee
- 1.00% on the first RM 1,000,000, plus 0.85% on the next RM 2,000,000, plus 0.70% on the next RM 7,000,000, plus 0.55% on all amounts over RM 10 million.
- Asset-based fees are billed after the end of each quarter, based on value of the assets at the end of the quarter and for services rendered during the quarter.
- Subject to a minimum annual fee of RM 2,000 (a minimum quarterly fee of RM 500).
Annual Appreciation Fee
- 20% of the capital appreciation from Initial Date to Final Date.
- Initial Date is January 1st of each year, or the first day of the month after the account was opened if later.
- Final Date is December 31st each year, or the date the account was closed if earlier. If there is no capital appreciation, the annual fee is zero. The Appreciation Fee is billed after year-end. There are no partial periods or quarterly charges.
- Capital appreciation is the market value on the Final Date less the adjusted initial market value on the Initial Date. The adjustments to the Initial Date market value are:
a. increased to the highest year-end market value since inception, after deducting all withdrawals since inception.
b. increased by any account additions pro-rata for the days left in the year (for example, RM 1,000,000 added on April 1 would adjust market value on the Initial Date upward by RM 750,000).
c. decreased by any account withdrawals pro-rata for the days left in the year (for example, RM 1,000,000 withdrawn on April 1 would adjust Initial market value downward by RM 750,000).