Family Trust Setup Cost Malaysia 2026 2026年马来西亚设立家庭信托费用指南
Understand the cost structure of living trusts in Malaysia, including setup fees, annual management fees, and asset transfer costs. 了解马来西亚生前信托的费用结构，包括设立费、年度管理费和资产转让成本。
By TrusteeMalaysia.com Editorial Team | Published: June 10, 2026 作者：TrusteeMalaysia.com 编辑团队 | 发布时间：2026年6月10日
1. Breakdown of Setup Fees for Family Trusts 1. 家庭信托设立费明细
A family trust (living trust) is a premium estate planning tool that requires substantial legal and professional work to structure. Unlike a will, which is a simple unilateral declaration, a trust is a bilateral contract (trust deed) that establishes a fiduciary relationship. The setup fees cover professional consultation, asset auditing, customization of the trust deed clauses, and registration of the trust with the relevant authorities. In Malaysia, setup costs vary widely depending on whether you choose an independent boutique trust company, a major bank-backed trustee, or a law firm to structure it. 家庭信托（生前信托）是一种高端的遗产规划工具，其构建需要大量的法律和专业工作。与作为简单单方声明的遗嘱不同，信托是一种设立信托关系的双方契约（信托契约）。设立费包括专业咨询、资产审计、信托契约条款的定制以及向相关机构登记信托。在马来西亚，设立费用差异很大，具体取决于您选择独立的精品信托公司、大型银行背景的受托人，还是律师事务所来构建它。
For a basic living trust holding liquid cash or an insurance policy, the setup fee generally ranges from RM5,000 to RM12,000. For complex family trusts holding corporate shares, multiple properties, or overseas investments, the initial setup fee typically ranges from RM15,000 to RM35,000 or more. This reflects the complex legal drafting needed to ensure compliance with the Trustees Act 1949 and the Companies Act 2016. 对于持有流动现金或保单的基本生前信托，设立费通常在5,000令吉至12,000令吉之间。对于持有公司股份、多处房产或海外投资的复杂家庭信托，初始设立费通常在15,000令吉至35,000令吉或更多之间。这反映了为确保符合《1949年受托人法令》和《2016年公司法令》而需要进行的复杂法律起草工作。
2. Annual Trustee Maintenance and Custody Fees 2. 年度受托人维护与托管费
Once a family trust is established, the corporate trustee has a fiduciary duty to manage and preserve the trust assets. This requires annual compliance reviews, financial accounting, tax filing for the trust entity, and safe custody of the ownership documents. For this ongoing service, trust companies charge an annual maintenance fee. 家庭信托一旦设立，法人受托机构即负有管理和保护信托资产的信托义务。这需要进行年度合规审查、财务会计、信托实体的税务申报以及所有权文件的安全托管。对于这种持续的服务，信托公司会收取年度维护费。
The annual fee can be structured in two ways: 年度费用通常有两种结构方式：
- Flat Annual Fee: Often applied to passive trusts (such as insurance trusts or properties that are not rented out). This fee typically ranges from RM1,500 to RM4,000 per year. 固定年费：通常适用于被动型信托（例如保险信托或未出租的房产）。该费用一般在每年1,500令吉至4,000令吉之间。
- Percentage of Assets Under Management (AUM): Often applied to active investment portfolios or cash trusts managed by the trustee. This fee typically ranges from 0.5% to 1.5% of the total trust asset value annually. 按管理资产（AUM）比例收费：通常适用于受托人管理的主动型投资组合或现金信托。该费用通常为每年信托资产总值的0.5%至1.5%之间。
3. Asset Transfer and Legal Costs 3. 资产转让及法律成本
Transferring assets into a trust is not free. For real estate, transferring the title to the trustee company involves land office filing fees, valuation costs, and legal fees for the conveyance. Furthermore, stamp duty under the Stamp Act 1949 must be considered. While nominal stamp duty applies to transfers from parents to children directly, transferring property to a trust company can attract full ad valorem stamp duty (1.0% to 4.0% of the property value) unless structured under specific exemptions. These transaction legal fees typically range from RM3,000 to RM8,000 per property. 将资产转入信托并非免费。对于房地产，将产权转让给受托公司涉及土地局登记费、估值成本以及产权转让律师费。此外，还必须考虑《1949年印花税法令》下的印花税。虽然直接从父母转让给子女适用名义印花税，但将房产转让给受托公司可能会被征收全额从价印花税（房产价值的1.0%至4.0%），除非在特定豁免下进行架构设计。这些交易律师费通常为每处房产3,000令吉至8,000令吉之间。
For corporate shares, transfer fees include company secretarial filings and nominal stamp duty. For bank accounts or investment portfolios, the transfer costs are minimal, but financial institutions may charge small administrative processing fees. 对于公司股份，转让费用包括公司秘书申报和名义印花税。对于银行账户或投资组合，转让成本极低，但金融机构可能会收取微薄的行政处理费。
4. Trust Distribution and Termination Fees 4. 信托分配与终止费
When the trust distributes funds to the beneficiaries (e.g. paying monthly allowances or education fees), or when the trust is terminated and the remaining assets are transferred to the heirs, the trustee charges professional fees. The distribution fee typically ranges from 1.0% to 2.0% of the distributed amount. The trust termination fee usually ranges from RM2,000 to RM5,000 to cover the legal closing of the trust accounts, final tax clearance, and returning the assets to the beneficiaries. 当信托向受益人分配资金（例如支付月度生活费或学费），或者当信托终止并将剩余资产转让给继承人时，受托人会收取专业费用。分配费通常在分配金额的1.0%至2.0%之间。信托终止费通常在2,000令吉至5,000令吉之间，用于涵盖信托账户的法律关闭、最终税务结清以及将资产退还给受益人的工作。
Disclaimer: This content is for educational purposes only and does not constitute legal or financial advice. 免责声明：本内容仅供学习参考之用，并不构成任何法律或财务建议。
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Compare setup costs and annual fees of trust companies in Malaysia. 比较马来西亚信托公司的设立成本和年费。