MYTHEO

What MYTHEO does

MYTHEO is a Malaysian AI-driven robo-advisory platform operated by GAX MD Sdn Bhd, a joint venture between Silverlake Digital INX (a Silverlake Group company) and Japan's Money Design Co., Ltd. Established in 2019 and headquartered in Petaling Jaya, Selangor, the company holds a Capital Markets Services License from Securities Commission Malaysia (eCMSL/A0357/2019) and serves Malaysian retail investors — including millennials, mass affluent, and first-time investors — seeking low-cost, automated access to globally diversified portfolios. The platform runs on a proprietary two-stage algorithm: a profiling step using Analytic Hierarchy Process (AHP) on five customer questions (yielding 373 portfolio combinations) followed by portfolio construction across three functional sub-portfolios (Growth, Income, Inflation Hedge) optimized using 25+ US-listed ETFs covering 10,000+ underlying securities, with AI Assist layering Thomson Reuters MarketPsych Indices sentiment analysis on top for drawdown detection.

The product surface includes the core MYTHEO Omakase portfolio engine plus four thematic/cash modules: MYTHEO Global ESG (ESG-themed equities, launched October 2021, the first fully AI-based ESG portfolio in Malaysia), MYTHEO Essential Products (water/food/energy themes), MYTHEO Izdihar (Shariah-compliant growth, launched July 2025), MYTHEO Money Market Portfolios (MYR and i-MYR Shariah-compliant at 0.50% p.a.), and MYTHEO USD Trust (MUST, a USD cash management product). Distribution is exclusively digital — self-serve via iOS/Android mobile app and web — with no physical branches. All ETF execution is routed through Interactive Brokers, with customer assets custodied at Malaysian Trustees Berhad (an RHB Group entity).

Revenue is generated entirely through tiered annual management fees on AUM: 1.00% p.a. up to RM100,000, stepping down to 0.50% p.a. above RM5,000,000. The platform positions itself as a low-cost (RM100 minimum, zero deposit/withdrawal fees, zero hidden charges, three-month fee waiver promotion), professionally-managed alternative to traditional Malaysian financial advisors, and is part of a broader ecosystem that, combined with THEO Japan (operational since February 2016), manages over USD 1.5 billion in assets for more than 160,000 investors.

Name

MYTHEO

Legal name

GAX MD Sdn Bhd

Website

https://mytheo.my

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

MYTHEO is a Malaysian AI-driven robo-advisor (operated by GAX MD Sdn Bhd, a Silverlake–Money Design JV) that builds and rebalances globally diversified ETF portfolios for Malaysian retail investors under a Securities Commission Malaysia license.

Ownership category

akta.pro rank

Product category

Digital Wealth Management (Robo-Advisory)

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Open-End Investment Funds (525910)

SIC

Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Direct-to-Consumer Robo-Advisors (Retail Automated Portfolios) (FSAGAEAA)

akta.pro secondary industries

Model Portfolio & Portfolio Construction Engines (FSAGAEAD), Systematic Portfolio Construction & Risk Control (Risk Parity, Vol Target, Dynamic Allocation) (FSAHAEAJ), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Robo-advisory services
• Digital wealth management
• ETF portfolio management
• Algorithmic investing
• Automated investment platform

Headquarters

HQ city

Selangor

HQ country

Malaysia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Annual Management Fee: MYTHEO charges an annual management fee based on assets under management (AUM). The fee is tiered: 1.00% p.a. for investments up to RM100,000, with progressively lower rates for higher AUM tiers (0.90%, 0.70%, 0.60%, 0.50%). This is the primary and only disclosed revenue stream.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

MYTHEO is a Malaysia-based, Securities Commission-licensed robo-advisory platform that builds, manages, and rebalances personalized ETF portfolios for retail investors. Its product suite includes core personalized portfolios (Omakase), thematic portfolios (Essential Products), an ESG-screened global portfolio (Global ESG), a Shariah-compliant portfolio (Izdihar), and money market / cash management portfolios (MYR, i-MYR, MUST). Portfolios are constructed by a proprietary two-stage algorithm, with optional manual customization by licensed representatives, and delivered through iOS/Android mobile apps and a responsive web platform.

Product overview

MYTHEO is a digital investment management platform (robo-advisor) offering personalized, algorithm-driven portfolio management. The core product is MYTHEO Omakase, which uses proprietary AI algorithms to construct customized portfolios from three functional sub-portfolios (Growth, Income, Inflation Hedge) using over 25 ETFs. The platform extends its offering with specialized thematic portfolios including Global ESG (ESG-focused), Essential Products (water, food, energy themes), and Izdihar (Shariah-compliant). Additional offerings include MYR and i-MYR Money Market Portfolios for capital preservation and MUST (USD Trust) for USD cash management. All portfolios are built on a two-stage algorithmic framework with AI-driven market sentiment monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• MYTHEO Omakase: Personalized investment portfolio recommended based on individual risk profiles and long-term goals using proprietary algorithm.
• MYTHEO Global ESG
• MYTHEO Essential Products
• MYTHEO Izdihar
• MYTHEO Money Market Portfolios
• MYTHEO USD Trust (MUST)

Products and services

• MYTHEO Omakase Core personalized ETF portfolio service that uses a proprietary AHP-based profiling algorithm and two-stage portfolio construction algorithm to build and manage a diversified global ETF portfolio tailored to each investor's risk profile, with automated rebalancing. Target users are Malaysian retail investors seeking hands-off, regulated global ETF exposure with low minimums (MYR 1,000) and tiered management fees.
• MYTHEO Global ESG ESG-screened global ETF portfolio service that applies environmental, social, and governance filters to the underlying ETF holdings while maintaining globally diversified exposure. Target users are Malaysian retail investors who want sustainable/ESG-aligned investing within an automated, regulated platform.
• MYTHEO Essential Products Thematic ETF portfolio service offering Income, Aggressive, and Balanced thematic variants for Malaysian retail investors who want pre-built portfolio themes rather than fully personalized allocations. Built on the same proprietary portfolio construction framework as the core product.
• MYTHEO Izdihar Shariah-compliant personalized ETF portfolio service that constructs and manages a diversified ETF portfolio adhering to Shariah screening principles. Target users are Malaysian Muslim retail investors and Shariah-conscious savers seeking regulated, automated Shariah-compliant investment management.
• MYTHEO Money Market Portfolio (MYR) MYR-denominated money market portfolio service that invests in Shariah-compliant and conventional MYR money market instruments, providing a cash-management solution with competitive spreads versus conventional banks. Target users are Malaysian retail investors seeking a regulated, app-based MYR cash-management product with a low MYR 100 minimum.
• MYTHEO i-MYR Money Market Portfolio Shariah-compliant MYR-denominated money market portfolio service providing Islamic cash-management exposure for Malaysian retail investors who require Shariah-compliant short-term cash solutions.
• MYTHEO USD Trust (MUST) USD-denominated money market trust portfolio service that provides USD cash-management exposure for Malaysian retail investors. Target users are Malaysian investors seeking USD-denominated short-term cash management within the MYTHEO platform.

Quantifiable outcome

• 2019 functional portfolio returns: Growth +20.24%, Income +9.64%, Inflation Hedge +18.01%
• +3 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability6 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• Money Design Co., Ltd. (Japan)coreStrategic or Co-development Partner · 1 January 2019Money Design, the pioneer that launched THEO (Japan's first robo-advisory service) in 2016 under Japan Financial Services Agency regulation, licensed its proprietary investment technology to the joint venture. MYTHEO uses the same underlying algorithm and technology as THEO Japan, adapted for Malaysian investors. Money Design Co-founder Mamoru Taniya and Director Ryoichi Yamabe serve on the MYTHEO/GAX MD board.
• Silverlake Group (Silverlake Digital INX)coreStrategic or Co-development Partner · 1 January 2019Silverlake Group is a digital innovation leader with over 30 years of experience in financial, capital market, fund management, payment, and digital economy services across Malaysia and Asia. Silverlake Group contributed its technological expertise, local market knowledge, and fintech transformation capabilities to the joint venture GAX MD.
• Malaysian Trustees Berhad (subsidiary of RHB Banking Group)coreOthersAll investor deposits and assets are held in custody by Malaysian Trustees Berhad, incorporated in 1975 and registered under the Trust Companies Act 1949. Shareholders include RHB Bank Bhd, RHB Investment Bank Berhad, and other RHB Group entities. The trustee provides an additional layer of security by managing the overseas broker account.
• Interactive Brokers LLCcoreTechnology or IntegrationMYTHEO executes all ETF trades through Interactive Brokers LLC (IB Securities), an online broker facilitating US stock market transactions. Customer USD funds are transferred to IB Securities for ETF purchases and sales.
• PayNetsupportingTechnology or IntegrationPayment gateway partner facilitating fund transfers for the Regular Savings Plan. PayNet processes standing instruction deductions from customers' bank accounts and sends confirmation emails on successful or failed transactions.
• Thomson Reuters (MarketPsych Indices)supportingTechnology or IntegrationMYTHEO's AI Assist uses Thomson Reuters MarketPsych Indices (TRMI) data covering 40,000+ global news sources and 7,000+ blogs and social media sites for real-time market sentiment analysis to detect drawdown risk.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Wealthfront: US-headquartered automated investing platform using globally diversified ETFs with direct indexing and cash management. Provides a global comparable for the fee tier structure, AUM scale and self-serve onboarding model MYTHEO aspires to.
• POEMS / Phillip Capital: Malaysian brokerage and digital wealth platform from PhillipCapital, including its Wrappee robo-advisory service. Overlaps with MYTHEO in self-directed and automated investing for Malaysian retail investors.
• FSMOne (Fundsupermart): iFAST Corporation's Malaysian online investment platform offering unit trusts, ETFs and bonds. A broader incumbent that competes for the same mass-market digital investor but with a much wider product catalogue and longer operating history.
• Betterment: US-headquartered pioneer of retail robo-advisory, operating globally with diversified ETF portfolios and goal-based planning. Broad incumbent reference point for MYTHEO's target operating model and product roadmap.

Direct peers

• StashAway: Leading Southeast Asian digital wealth manager operating in Malaysia, Singapore, Hong Kong, the UAE and Thailand. Competes for the same Malaysian mass-affluent and millennial retail investor with globally diversified ETF portfolios.
• Syfe: Singapore-headquartered robo-advisor with active operations in Malaysia and Hong Kong, offering automated ETF portfolio management plus cash management products. Direct competitor on product, target customer and fee structure.
• Wahed Invest: Global Shariah-compliant digital investment platform active in Southeast Asia. Directly competes with MYTHEO's Izdihar and i-MYR offerings for Muslim retail investors seeking halal automated portfolio management.
• Endowus: Singapore-based digital wealth platform for both retail and institutional clients, offering automated fund and ETF portfolios. Comparable in robo-advisory architecture, though currently focused on Singapore rather than Malaysia.
• THEO (Money Design): The Japanese parent platform that supplies MYTHEO's underlying algorithm and product design. Operates in Japan under JFSA regulation since 2016 with 100,000+ clients, making it the most direct functional and technological peer.

Emerging players

• Versa: Malaysian cash management and investment super-app offering money market funds and automated savings. Competes at the lower-risk end of MYTHEO's MYR money market portfolio segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mytheomy
• LinkedInlinkedin.com/company/mytheo
• Instagraminstagram.com/mytheomy

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MYTHEO