Fortefi Capital Sdn Bhd (“Fortefi”) is Malaysia’s digital-first investment platform that helps businesses activate idle cash into a new source of untapped revenue.

Instead of leaving surplus cash sitting idle in low-yield accounts, businesses can now deploy funds into institutionalised and regulated investment solutions securely.

Think of us as the layer between your bank account and smarter investment returns - without locking up your liquidity.

Fortefi serves businesses of all sizes. By aggregating client funds, we provide access to institutional-quality investments that are typically unavailable to individual SMEs

Fortefi is licensed by the Securities Commission Malaysia to provide digital investment management services.While banks provide deposit and borrowing facilities, Fortefi manages your investments by deploying algo-driven solutions.

Fortefi is designed for SMEs, holding companies, franchisors, and corporate groups that manage operational cashflow across their businesses.

We believe cashflow is not simply “excess cash” - it is the lifeline of a business. Different pools of capital serve different purposes, whether for payroll, expansion, reserves, acquisitions, vendor payments, or strategic deployment.

We manage liquidity more intelligently by aligning investment strategies with their operational cashflow needs, liquidity timelines, and risk preferences.

Unlike a fixed deposit, Fortefi portfolios are designed to provide flexibility by allowing you to access your funds without serving a fixed tenure. For example, Fortefi Secure Cash offers liquidity of approximately one (1) Business Day, meaning that if you submit a redemption request today (before the applicable cut-off time), your funds are generally credited to your registered bank account on the next Business Day. At the same time, Fortefi aims to deliver competitive, market-based returns through professionally managed investment portfolios while allowing your cash to remain productive.

Yes. Fortefi is regulated and licensed by the Securities Commission of Malaysia. Please refer to SC’s public registry here for more info: https://easy.seccom.com.my:8222/ (Search: “Fortefi Capital Sdn Bhd”)

Our onboarding is digital and fast. Click register and complete our e-KYC verification process.

Once verified, you’ll be assigned a Relationship Manager to guide you through activation

Through an automated process we only now require

(1) Board resolution or authorisation letter,

(2) IC/passport of authorised signatories. There may be additional requirements that will be confirmed during onboarding.

Visit our website or contact connect@fortefi.com.my for more details.

Yes. Fortefi welcomes both individual and corporate investors. Our fully digital onboarding process is tailored to the customer type, with the required identification and verification documents collected during registration.

No. Fortefi does not impose a minimum investment amount. You may start investing with an amount that suits your financial objectives and liquidity needs.

Fortefi recommends portfolios based on your Suitability Assessment Test (SAT), which considers your investment objectives, liquidity needs, risk tolerance and investment horizon.

As a general guide:

• Secure Cash – Daily operating cash and emergency reserves.

• Balanced / Balanced Plus – Temporary surplus cash and retained earnings.

• Advanced / Advanced Plus – Long-term capital with higher growth objectives.

This ensures your investments remain aligned with how and when your business expects to use its cash.

Yes. Fortefi supports up to six purpose-based investment accounts, allowing you to allocate funds across multiple portfolios simultaneously—for example, Secure Cash for operational liquidity and Balanced Plus for retained earnings.

No. All investments carry risk and returns are not guaranteed

No. All investments carry risk, and investment returns are not guaranteed. The value of your investments may rise or fall depending on market conditions.

Yes. Your investments are held separately from Fortefi’s own assets through an independent Trustee. As a result, Fortefi’s financial position or insolvency does not affect your ownership of the underlying investments

Liquidity refers to how quickly your investment can be converted back into cash after you submit a redemption request.

Typical redemption timelines are:

• Secure Cash: Approximately 1 Business Day

• Secure Cash+: Approximately 3–4 Business Days

• Balanced Portfolios: Approximately 5 Business Days

• Advanced Portfolios: Approximately 5 Business Days

Every business has different cashflow requirements. Rather than simply targeting the highest possible returns, Fortefi first determines when you are likely to need access to your funds. We then construct a portfolio that balances liquidity, risk and return accordingly. This liquidity-first approach allows your cash to remain productive while ensuring it is available when your business needs it most.

All Fortefi portfolios invest in professionally managed, institutional-grade unit trust funds, selected based on their liquidity, quality and risk characteristics.

As a general guide:

• Secure Cash – Primarily money market and cash management funds.

• Secure Cash+ – Money market and high-quality bond funds.

• Balanced – A diversified mix of money market, bond and equity funds.

• Balanced+ – Greater allocation to equity funds while maintaining exposure to fixed income.

• Advanced – Primarily equity funds with selective exposure to fixed income.

• Advanced+ – Higher-conviction equity portfolio designed for long-term capital growth.

The exact allocation may vary over time as portfolios are rebalanced in line with market conditions and the investment mandate.

Yes. You can view the latest asset allocation and underlying funds for each portfolio directly from the Investment section within the website.

Soon you can simply ask our AI to generate the latest portfolio composition, and it will summarise the current allocation, underlying funds and sector exposures for you.

Our investment process consists of three stages:

1. Search – Identify institutional-quality investment funds across multiple asset classes.

2. Assess – Evaluate each fund using both quantitative and qualitative factors, including liquidity, historical performance, risk characteristics, volatility, redemption efficiency and fund quality.

3. Allocate – Construct and continuously rebalance portfolios based on each portfolio’s investment objective, liquidity requirements and market conditions.

Our portfolios invest through carefully selected licensed fund managers, including partners such as RHB Asset Management, UOB Asset Management, with additional managers introduced as suitable opportunities arise.

For a deeper understanding of our investment framework and process please refer to our Investment page for more information

The portfolio value is updated throughout the Business Day as the official Net Asset Values (NAVs) of the underlying funds become available. As different fund managers publish their NAVs at different times, portions of your portfolio may be updated progressively. Until all underlying fund NAVs have been received, the displayed portfolio is regarded as Indicative Portfolio Value. The portfolio reflects its latest official valuation once all applicable NAVs have been processed.

The Fortefi platform accepts subscription and redemption instructions 24 hours a day, 7 days a week. Unless otherwise stated, the cut-off time for all portfolios is 3:00 p.m. (Malaysia Time) on a Business Day. Transactions will only be processed after the required payment (where applicable) has been received and the instruction has been fully authorised. Instructions submitted or authorised after the cut-off time will be processed on the next Business Day.

Yes. You may submit investment and redemption instructions at any time through the Fortefi platform. However, transaction processing, trade execution, settlement and fund transfers are carried out only on Malaysian Business Days (excluding weekends and public holidays).

Simply transfer funds from your registered bank account to your designated Fortefi Virtual Account via bank transfer. Once the funds have been received and verified, they will be reflected in your Available Balance for investment.

Submit and authorise your redemption request through the Fortefi platform before the applicable cut-off time on a Business Day. Requests submitted or authorised after the cut-off time will be processed on the next Business Day.

Redemption proceeds will be credited to your registered bank account based on the liquidity timeline of your selected portfolio—for example, approximately 1 Business Day for Secure Cash and up to 5 Business Days for Advanced+

A Subscription or Redemption Statement will be made available through the Fortefi platform within three (3) Business Days after your transaction has been successfully processed.

Your Monthly Statement will be available through the Fortefi platform within five (5) Business Days after the end of each calendar month.

Fortefi operates on a transparent, no hidden fees pricing model.

Depending on your selected portfolio, an annual platform fee ranging from 0.20% to 0.50% applies. There are no account opening, subscription or redemption fees charged by Fortefi.

Management fees of the underlying funds are reflected within the fund prices and are not charged separately by Fortefi.

Unless otherwise stated, performance figures shown in our materials are gross of fees. Your account reporting will display your net investment returns after applicable fees

No. Fortefi does not charge any withdrawal or redemption fees. Redemptions are processed according to the applicable liquidity timeline of your selected portfolio.

No. Fortefi does not charge any account maintenance or annual account fees. The only ongoing fee charged by Fortefi is the applicable annual platform fee for your selected portfolio.

Income distribution refers to periodic payments made to investors from income generated by the underlying investments, such as interest, dividends or coupon payments. For money market funds, income is typically accrued daily and distributed monthly, while other funds may distribute income at different intervals depending on their investment strategy..

A capital gain is the increase in the value of your investment over time. It occurs when the market value of your investment exceeds its original purchase price. For growth-oriented portfolios, returns are primarily driven by the appreciation in the value of the underlying investments. Capital gains are generally realised when you redeem your investment.

Returns may be received either as income distributions or through capital appreciation, depending on the underlying funds within your portfolio. Some funds distribute income periodically, while others reinvest earnings, allowing the Net Asset Value (NAV) of the fund to grow over time. The distribution frequency varies by fund and is disclosed in the respective fund documentation

You can monitor your portfolio’s performance at any time through the Fortefi platform. Your dashboard provides an overview of your portfolio value, cumulative returns, historical performance, transaction history and current asset allocation, allowing you to track how your investments are performing over time.

Tax treatment depends on the nature of the investment and the applicable Malaysian tax laws. For many unit trust funds, any applicable tax on income is generally dealt with at the fund level before distributions are paid to investors.

As a result, distributions received by investors are typically paid net of any applicable tax. However, each investor’s tax position may differ. We recommend consulting your tax advisor or auditor for advice specific to your circumstances.

Income distributions should be recorded in your company’s accounting records in accordance with the advice of your auditor or tax advisor. Where applicable, the fund manager will provide a tax voucher together with the distribution, which should be retained for your accounting and tax records.

Fortefi does not provide tax advice. Please consult your auditor or tax advisor regarding the appropriate accounting treatment and any tax implications for your business.

A Subscription Statement or Redemption Statement will be made available through the Fortefi platform after your transaction has been successfully processed. Unless otherwise notified, Subscription Statement or Redemption Statement are generally available within three (3) Business Days.

Your Monthly Statement is generated after the end of each calendar month and will be available through the Fortefi platform within five (5) Business Days.

Your Monthly Investment Statement provides a consolidated summary of your investment portfolio, including your portfolio valuation, holdings, cash balance, transactions during the month, income distributions (where applicable), fees charged and overall portfolio performance.

Yes. Subscription Statements, Redemption Statements and Monthly Investment Statements can be downloaded directly from the Fortefi platform at any time for your records.

Yes. Historical Subscription Statements, Redemption Statements and Monthly Investment Statements remain available through the Fortefi platform, allowing you to review and download your investment records whenever required.

Tax treatment depends on the nature of the investment and the applicable Malaysian tax laws. For many unit trust funds, any applicable tax on income is generally dealt with at the fund level before distributions are paid to investors.

As a result, distributions received by investors are typically paid net of any applicable tax. However, each investor’s tax position may differ. We recommend consulting your tax advisor or auditor for advice specific to your circumstances.

Where applicable, tax vouchers issued by Fortefi will be made available through the Fortefi platform together with the relevant income distribution. These documents should be retained for your accounting and tax reporting purposes.

Depending on the nature of the underlying fund and the applicable tax treatment, income distributions may already have been subject to tax at the fund level before being paid to investors. As each investor’s tax position may differ, you should consult your tax advisor or auditor regarding your specific tax obligations.

Relevant documents, including Monthly Investment Statements, Subscription Statements, Redemption Statements and, where applicable, tax vouchers, are available for download through the Fortefi platform. These documents may be used to support your accounting records and audit requirements.

Your investments are held separately from Fortefi’s own assets by an independent Trustee and invested into regulated unit trust funds managed by licensed fund managers. Fortefi does not hold or own your investment assets. If Fortefi’s platform is temporarily unavailable, your investments remain securely held. If Fortefi ceases operations, arrangements will be made in accordance with applicable laws and regulatory requirements to ensure your investments continue to be safeguarded.

We encourage you to contact Fortefi first so that we can resolve your concern promptly. If your complaint remains unresolved, you may refer the matter to the Financial Markets Ombudsman Service (FMOS), where applicable.

All investments carry some degree of risk and the value of your investment may fluctuate depending on market conditions and the underlying assets.

That said, the level of risk varies across portfolios. The Fortefi Secure Cash series is designed with capital preservation and liquidity as its primary objectives, investing predominantly in high-quality money market funds that are themselves primarily invested in deposits with licensed financial institutions and other short-term money market instruments. While no investment is guaranteed, these portfolios are intended to provide a high level of capital stability.

Higher-risk portfolios that invest in bonds and equities may experience greater fluctuations in value over time.

Your investments are held by an independent Trustee in accordance with the Capital Markets and Services Act 2007 and invested into regulated unit trust funds managed by licensed fund managers. This segregation ensures that your investment assets are kept separate from Fortefi’s own assets.

Yes. Fortefi is built with security as a core design principle. We use secure encryption, robust access controls and industry-standard cybersecurity measures to protect your information. Our platform also complies with applicable regulatory requirements, including digital onboarding (e-KYC) and personal data protection obligations.

Fortefi is a contributing member of the Capital Market Compensation Fund (CMCF), established under the Capital Markets and Services Act 2007. Subject to the eligibility requirements of the CMCF and applicable laws, eligible investors who suffer monetary losses arising from the default of a licensed capital market intermediary may be entitled to seek compensation through the CMCF.

We do not have that feature now, but it is in the progress. The upcoming feature is designed for holding companies, franchisor-franchisee structures, and multi-entity SMEs. It provides a unified view of all investment balances across entities, enabling group treasury management from a single interface.

Only Customers who have selected our Aggressive portfolio will be provided with two Accounts, namely General Account and Advance Account. The General Account is to meet your liquidity needs as and when you need to redeem your funds. While monies that are held in the Advance Account continues to invest for the longer term.

Auto-Sweep is a function an automate function to ensure that whatever monies that are transferred to your Available Balance is always invested. That way your monies never sleeps!

Condition 1: When monies are transferred and recognised under your Available Balance AND maker did not initiate the investment into any particular pocket OR

Condition 2: Maker had initiate investments but Authoriser forgot to approve.

The investment would be made T+2 from the day money was transferred in

It will always go into your Primary - General Account as oppose to your Advance Account. That way we know you will not be taking unncessary risk and you can go about with your day knowing that your investments are always taken care off.

You can contact us by emailing connect@fortefi.com.my or by submitting an enquiry through the Contact Us section of the Fortefi platform or website.

Our Client Support team is available Monday to Friday, 9:00 a.m. to 6:00 p.m. (Malaysia Time), excluding Malaysian public holidays.

Yes. Our team is available to assist with onboarding, platform enquiries and investment-related questions. Simply submit an enquiry through the Contact Us page, and a Relationship Manager will get in touch with you.

An automated rule that moves cash from your bank account into an investment portfolio whenever your balance exceeds a set threshold — e.g. sweep all money into Secure Cash when the money is not invested after 1 business day. No manual action required.

The increase in the value of your investment above what you originally paid. If you invested RM100,000 and your portfolio is now worth RM115,000, you have a capital gain of RM15,000. Capital gains are typically realised when you sell (redeem) your investment.

An investment objective focused on protecting the original amount invested (the principal) rather than maximising growth. The Secure Cash portfolio is designed for capital preservation.

The daily deadline by which a transaction (deposit or redemption) must be submitted in order to be processed on that same business day. Transactions received after the cut-off are processed the next business day. For fortefi, the cut-off time is 3PM MYT

A regulated financial institution that holds and safeguards your investment assets on your behalf. Fortefi uses regulated custodians linked to RHBAM, i.e. Malaysian Trustees Berhad so that your funds are protected independently of Fortefi’s own balance sheet.

Electronic Know Your Customer — the digital verification process Fortefi uses during onboarding to confirm your identity and business legitimacy, in compliance with Malaysian financial regulations.

Fortefi’s capital allocation method. Capital is deployed into investment pools in the order it arrives, targeting pools with the highest liquidity scores first. When a better-performing pool becomes available, future capital flows there while existing allocations remain.

A licensed professional or firm that manages the underlying investment funds on behalf of investors. Fortefi currently partners with RHB Asset Management (RHBAM) and UOB Asset Management (UOBAM) as trusted fund managers. Fortefi continues onboard more institutional fund managers to provide best in class investment product offerings.

Money sitting in a bank account (typically a current or savings account) earning little to no return. In an inflationary environment, idle cash loses real purchasing power over time. Fortefi helps businesses activate idle cash by investing it to our portfolios.

Regular payouts to investors from the income earned within a fund — such as interest, dividends, or bond coupons. For money market funds, income is typically accrued daily and distributed monthly. The amount distributed per unit depends on the fund’s net income over the period.

The estimated value of your portfolio displayed throughout the Business Day based on the latest available official Net Asset Values (NAVs) of the underlying funds. As different funds publish their NAVs at different times, the portfolio value is updated progressively until all applicable NAVs have been received and processed.

How quickly an investment can be converted back into cash without significant loss of value. Fortefi’s Secure Cash portfolio has approximately 1 business day liquidity, while Advanced portfolios have approximately 5 business days.

Fortefi’s proprietary metric used to rank investment pools. It evaluates historical volatility, redemption flexibility, and cash-on-hand ratios to identify the most liquid, highest-quality pools for capital deployment.

A type of low-risk investment fund that invests in bank deposits only. Money market funds form the foundation of the Secure Cash portfolios.

Creates a new purpose-based account within your Fortefi profile, allowing you to segregate funds for different business objectives such as Operating Cash, Retained Earnings, Tax Reserve, Payroll, or Investment Capital. Each account can be assigned its own portfolio and investment strategy while remaining under the same client profile.

The price per unit of a fund, calculated by dividing the total value of the fund’s assets (minus liabilities) by the number of units outstanding. When you invest, you buy units at the current NAV. When you redeem, units are sold at the prevailing NAV.

A pre-defined collection of investments selected and managed according to a specific risk and return objective. Fortefi offers six portfolios: Secure Cash, Secure Cash+, Balanced, Balanced+, Advanced, and Advanced+.

The process of selling your investment units back to the fund and receiving cash in return. The time it takes to receive cash after a redemption request is the liquidity window (1–5 business days depending on portfolio).

A classification of how much investment risk a portfolio carries. Fortefi’s portfolios range from Very Conservative (Secure Cash) through Balanced to Very Aggressive (Advanced+). Your risk profile should match your business’s tolerance for value fluctuation and investment horizon.

An automated, algorithm-driven investment service that manages portfolios intelligently. Fortefi’s platform uses algorithm driven technology to select, allocate, and rebalance investments in real time based on your risk profile and liquidity score.

The process of investing money into a selected Fortefi portfolio. Once payment is received and the order is authorised before the cut-off time, units are purchased based on the applicable Net Asset Value (NAV).

Cash held by a business beyond what is needed for immediate operations. Surplus cash is a prime candidate for investment through Fortefi’s Balanced or Advanced portfolios to generate returns without sacrificing operational liquidity.

An annual statement issued to investors summarising taxable income distributions received from their investments during the year. This document may be used for tax reporting purposes where applicable.

A dedicated bank account assigned to each client that enables instant balance updates upon receipt of funds and ensures accurate segregation and attribution of client monies. Within the Fortefi platform, virtual sub-accounts also allow clients to segregate and label different pools of money (e.g. operating cash, retained earnings and investment capital) without requiring multiple physical bank accounts, providing clearer cash management and financial reporting.

A measure of how much an investment’s value fluctuates over time. Low volatility (e.g. 0.21% for Secure Cash) means the value is very stable. Higher volatility (7.00% for Advanced+) means more price swings, which also means higher potential gains or losses.