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Aurum is a community platform sharing members' own experience — not a solicitation, promotion or recommendation of any fund. Figures shown are gross yields (before management fees). The fund's daily NAV/distributions are net of the daily-accrued management fee (Ringgit Income 0.40%, MYR Liquid 0.25% p.a.), so gross = the NAV/distribution-derived net yield with that fee added back. Halogen has waived the USD Yield Fund's management fee (0.80% p.a.) from 7 July 2026 until further notice, and has rebated every fee charged from the fund's launch to 6 July 2026. That fund's NAV is therefore already gross from 7 July 2026 and no fee is added back for those days; windows reaching further back add back only the 0.80% charged on the days it applied. The rebate was paid into NAV as a one-off credit on 15 July 2026 — it is a non-recurring, one-time refund rather than investment return, so it is excluded from the APR and return figures shown here (annualising it would project a lump sum forward as ongoing yield); the NAV per unit shown is the fund's actual published NAV and does include it. Each fund's APR is annualised over the selected window — a preset trailing period (default 30 days) or a custom From/To date range — on a simple, 365-day basis, sourced live from Halogen's public API. For the USD Yield and Ringgit Income funds it is derived from the change in NAV per unit over the period (the window start is capped at the fund's launch — the first day NAV moved above par — so a newly launched fund measures from launch instead, and "Max" means since launch). The MYR Liquid Fund is a daily-distribution fund whose NAV stays at 1.0000, so its APR is the sum of daily distributions per unit over the period, annualised the same way. Returns are not guaranteed and past performance is no indicator of future results — this is not financial advice or an offer to invest. Refer to Halogen's official fund documents.

Aurum is a community platform sharing publicly available information — not a solicitation, promotion or recommendation of any fund, deposit, token or strategy, and not financial advice. These are not comparable products and the yield order is not a ranking of quality. A US Treasury bill is backed by the US government; a foreign-currency fixed deposit is bank credit and, unlike ringgit deposits, is not protected by PIDM; a fund carries manager and underlying credit risk; USDC lending on Aave or Spark is exposed to smart-contract, oracle and liquidation risk with no deposit protection; money on an exchange makes you an unsecured creditor of that exchange; Maple is unsecured lending to institutional trading desks and can impose notice periods on withdrawal; and the bitcoin basis trade requires you to hold a spot position against a short future, manage margin, and accept that the premium can compress to nothing before expiry. Rates shown are annualised but measured differently by source: the Halogen figure is its 3-month return annualised, net of a management fee that is currently waived, and the fund launched in February 2026 so it has no 1-year record; the United USD Cash Fund figure is a 1-year return in USD terms — the same year reads −1.13% on FSMOne in ringgit, and that gap is currency movement, not performance; deposit rates are board or promotional rates that reset at maturity; DeFi and exchange rates are variable and can change within a day; the basis is a snapshot of one exchange's December contract. Everything here is a US dollar return. If your spending is in ringgit, the currency move between now and when you convert back can be larger than every yield difference on this table put together. Sources are linked under the table; deposit, exchange and Treasury figures are surveyed by hand and go stale — verify before acting. Returns are not guaranteed and past performance is no indicator of future results.

Aurum is a community platform sharing publicly available information — not a solicitation, promotion or recommendation of any fund, and not financial advice. Every return in the table comes from one source, FSMOne, priced on the same day for every fund, and is calculated NAV-to-NAV and net of management fees. Periods shorter than a year are cumulative, not annualised, so a 3-month figure is not comparable to the annual yields shown in the cards above — and note those cards show gross yields, which add the management fee back, whereas everything here is net. The ranking covers only funds FSMOne distributes. Lipper's Money Market MYR Islamic category held about 48 funds when Halogen last published it; FSMOne lists roughly 19 of them, and the omitted funds had a materially lower median return (3.02% versus 3.41% on January 2026 data), so a position here is harder-won than the same position in the full category. Share classes are collapsed to one row per fund. FSMOne lists them separately, as Lipper does, but the classes of a fund hold the same portfolio and differ only in who may buy and what they are charged — leaving them in padded the Islamic list from 11 funds to 17 rows, with one fund holding both first and second place on an identical number. Where a fund has several classes the table keeps the one with the lowest minimum investment, that is the one a reader is most likely able to buy, breaking ties on the larger pool; it does not keep the best-performing class, which would quietly pick whichever flatters the peer group. This costs the Halogen fund places rather than winning it any — it ranks 9th of 11 deduplicated against 14th of 17 with every class listed. Fee and minimum are shown on each row, because for one fund here the class genuinely matters: BIMB Dana Al-Fakhim charges 0.10% at a RM50,000 minimum and 0.50% at RM1,000, and the 0.37-point gap in their returns is almost exactly that fee difference. The Halogen Shariah Ringgit Income Fund is not a like-for-like member of this group. FSMOne classifies it as a short duration bond fund, not money market, and it is flagged as such in the table; it is a wholesale fund (Class B, minimum initial investment RM10,000) restricted to sophisticated investors, while the peers are retail funds. Its June 2026 factsheet shows roughly 32% sukuk and 26% Islamic deposits, about 29% held in two other funds (Maybank Income Flow-I 18.2%, AHAM Aiiman Money Market Fund 10.6%) and around 12% in peer-to-peer financing (Funding Societies 9.8%, CapBay 2.1%), at a duration of about 1.1 years — so part of its return is earned through funds that appear on this list in their own right, and part carries P2P credit risk that a fund holding sub-397-day paper does not take. Halogen's own 1-year figure is refreshed live from Halogen's public API where available and may therefore be priced a few days later than the rest of the table. Fund sizes, management fees and 3-year volatility are FSMOne's. Returns are not guaranteed and past performance is no indicator of future results. Refer to each fund's official documents before investing.