FAQ for New Investors
What serious investors ask before they commit. If your question isn't here, contact us directly.
What makes Assetswise different from other funds?
Three things. You get paid before we do. There is no annual management fee, and we only earn anything after your returns clear 6% a year. We put our own money in the same strategy, so when you lose, we lose too. And every performance number you see is verified through IBKR PortfolioAnalyst, not just something we typed up ourselves.
Can the manager run away with my money?
No. Your money sits in a separate account under Silverknows Trust Ltd (LL17321), an independent licensed custodian in Labuan. We cannot touch it freely. We know we would never do that, but the structure makes sure we can't even if we wanted to. That is a stronger guarantee than our word alone.
What exactly is the fee? Show me an example.
No annual management fee at all. Say the fund returns 30% in a year. The first 6% goes fully to you. The remaining 24% is split 70% to you and 30% to us. So your total return would be 22.8% and we earn 7.2%. On top of that, we cannot charge any fee until all past losses are recovered and the 6% hurdle is cleared first.
What is the minimum investment?
USD 65,000 or RM 250,000, whichever applies to you. If you want to top up later, the minimum is USD 2,500 per top-up. This fund is open to sophisticated investors only.
What is the lock-in and how do I get my money out?
Your money is locked in for 12 months from the day you invest. After that, you need to send us written notice to take it out. If we don't hear from you, your investment rolls over for another 12 months on the same terms. Once you redeem, your money is paid out within 14 days of your redemption date. Full details are in the Information Memorandum.
What if I need my money back early?
Early redemption is not something we offer as a standard option. It requires board approval. Please only put in money you are genuinely comfortable leaving for at least 12 months. If there is any chance you might need it back before then, this is not the right place for that money. Full terms are in the Information Memorandum.
What is your benchmark?
The S&P 500. We aim to beat it over any rolling 3-year period. In 2025, Assetswise returned 74.46% against the S&P 500's roughly 25%. Since we started in August 2023, the cumulative return is 541%. If we ever fall short of that benchmark over 3 years, we will tell you honestly and straight away.
What if MC Diau resigned or passed away?
Unlike most funds that would simply shut down, Assetswise has a clear plan for this. Through the U.S. Options Academy, potential successors go through the full programme, come back as coaches on their own free will, build a real track record of helping others make money, and prove they can trade independently, no tips, no shortcuts. Two successors are already confirmed: Dr Yeoh, an Anesthesiologist, and Chan CT, an Actuary. Both have verified independent trading track records.
Will my investment be subject to U.S. estate tax if I pass away?
The fund trades financial instruments, not U.S. assets held directly in your name. That said, tax treatment depends on your own situation and where you are based. Please speak to your own tax and legal advisor on this one. We cannot advise you on it.
What does the fund actually invest in?
We invest in U.S. stocks, selected through a combination of fundamental and technical analysis. On top of that, we use options strategies to improve returns and manage risk. Every position is carefully considered before we put money in.
What happens to my performance fee if I join mid-year?
The performance fee is calculated based on your personal entry point, not the fund's overall calendar year. So if you join in July, your 6% hurdle starts from the day you invest, not from January. You will never be charged a fee for gains that happened before you even joined.
Can I open a joint account?
Yes. Two people can be named on the same account. If you are investing as a couple or with a partner, just let us know when you fill in the onboarding form and we will guide you through it.
Can I include this in my Malaysia Will?
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Can I top up anytime?
Yes. The minimum top-up is USD 2,500 and you can do it at any time. Just submit the top-up form and transfer the funds to the custodian account.
Who do I contact if I have a problem?
Email us at info@assetswisefund.com and we will get back to you as soon as we can.
Is there a cooling-off period?
Yes. You have 7 days from your subscription date to cancel if you change your mind. After that window closes, no cancellation is allowed unless the board approves it.
How do I get started?
Reach out to us and ask for the Information Memorandum. Read it fully, not just the highlights. Then fill in the Investor Onboarding Form, send in your KYC documents, which are your IC or passport and a proof of address dated within the last 3 months, and transfer your funds to the custodian account we provide. We will send you your investment confirmation within 30 business days once your funds have cleared.