Investment Return Simulator
| Instrument | Return p.a. | Projected value | Risk | Liquidity | Protection |
|---|---|---|---|---|---|
#1  Cryptocurrency (BTC/ETH) Digital assets (via Luno/Hata) High potential return, high risk, big swings both ways. | 12.00% -60% to 100% | RM 1,762+RM 762 (+76.2%) Range: RM 324 → RM 7,943 | 5/5 | Instant Min Low | At risk |
#2  US stocks / S&P 500 Global equities (via Moomoo/Webull) S&P 500 ~10%/yr (USD, historical). | 10.00% -25% to 30% | RM 1,611+RM 611 (+61.1%) Range: RM 748 → RM 2,381 | 4/5 | T+1 Min Low (fractional shares) | At risk |
#3 ASN variable funds (Equity / Imbang) Unit trust, ASNB (variable price) NAV-fluctuating ASN equity/balanced funds, open to all (unlike ASB). | 7.00% -10% to 30% | RM 1,403+RM 403 (+40.3%) Range: RM 970 → RM 2,219 | 4/5 | 1-3 days Min RM10 | At risk |
#4 Gold (physical / digital / GIA) Commodity Priced in USD, adds currency risk. | 7.00% -20% to 25% | RM 1,403+RM 403 (+40.3%) Range: RM 771 → RM 2,016 | 3/5 | T+1 Min Low | At risk |
#5  EPF (Akaun) Retirement, KWSP 2025: 6.15% (conv & Shariah); ~6% 10-yr avg. | 6.15% | RM 1,348+RM 348 (+34.8%) | 1/5 | Locked to 55 Min Via salary / voluntary top-up | Govt |
#6 Unit trust / mutual fund (equity) Equity fund Capital at risk. | 6.00% -10% to 12% | RM 1,338+RM 338 (+33.8%) Range: RM 944 → RM 1,516 | 3/5 | ~1 week Min RM100-RM1,000 | SC-reg |
#7   Robo-advisor (global ETF portfolio) StashAway · Wahed · Akru Auto-built diversified global ETF portfolio at your chosen risk level. | 6.00% -5% to 18% | RM 1,338+RM 338 (+33.8%) Range: RM 1,055 → RM 1,713 | 3/5 | 1-3 days Min RM0-RM100 | SC-reg |
#8 | 6.00% -15% to 15% | RM 1,338+RM 338 (+33.8%) Range: RM 842 → RM 1,612 | 3/5 | 1-3 days Min ~RM100 | At risk |
#9 Bursa Malaysia stocks / KLCI ETF Local equities KLCI total return ~4-6% (price only ~3-4% over the last decade); single stocks far riskier. | 6.00% -20% to 20% | RM 1,338+RM 338 (+33.8%) Range: RM 749 → RM 1,783 | 4/5 | 1-3 days Min ~RM100 | At risk |
#10  P2P financing Funding Societies etc. Headline 10-18% gross, but defaults cut it to ~6% net (and can go negative). | 6.00% -5% to 18% | RM 1,338+RM 338 (+33.8%) Range: RM 1,055 → RM 1,713 | 4/5 | Months Min RM100 | SC-reg |
#11 ASB (Amanah Saham Bumiputera) Unit trust, ASNB Bumiputera onlyFY2025: 5.75 sen (5.20 + 0.55 bonus). | 5.75% | RM 1,323+RM 323 (+32.3%) | 1/5 | 1-3 days Min RM10 | Capital-stable |
#12  PRS (Private Retirement Scheme) Retirement, market-linked RM3k/yr tax relief (to YA2030). | 5.00% 3% to 7% | RM 1,276+RM 276 (+27.6%) Range: RM 1,223 → RM 1,332 | 3/5 | Locked to 55 Min RM100 | SC-reg |
#13 ASNB fixed-price funds (ASM, ASM3) Unit trust, ASNB (open to all) 2025: ASM 5 sen, ASM3 4.75 sen. | 4.75% | RM 1,261+RM 261 (+26.1%) | 1/5 | 1-3 days Min RM10 | Capital-stable |
#14 SSPN (education savings) PTPTN, SSPN Prime / Plus FY2025 dividend 4.1% (11-yr high; FY2024 4.05%). | 4.10% | RM 1,223+RM 223 (+22.3%) | 1/5 | 1-3 days Min RM10 | Govt |
#15 Govt securities / sukuk / bonds MGS · GII · corporate sukuk MGS 10Y ~3.6%; principal returned at maturity, price moves if sold early. | 3.80% | RM 1,205+RM 205 (+20.5%) | 2/5 | ~1 week Min RM1,000+ | Govt (maturity) |
#16  Tabung Haji Savings, Lembaga Tabung Haji MuslimsFY2025 hibah 3.50% (8-yr high). | 3.50% | RM 1,188+RM 188 (+18.8%) | 2/5 | ~1 week Min RM10 | Govt |
#17 Money-market / cash management Versa · StashAway Simple · KDI Save FD-like returns (~3.4%, promos to ~4%), liquid (T+1). | 3.40% | RM 1,182+RM 182 (+18.2%) | 2/5 | T+1 Min RM1-RM100 | SC-reg |
#18 Fixed Deposit (12-month) Bank deposit OPR 2.75%. Board ~2.5-2.85%, promos ~3.0-3.65%. PIDM-protected. | 3.20% | RM 1,171+RM 171 (+17.1%) | 1/5 | At maturity Min RM1,000 | PIDM |
#19 Savings account Bank deposit Convenient but near-zero; inflation (~2%) erodes it. | 0.50% | RM 1,025+RM 25 (+2.5%) | 1/5 | Instant Min RM0 | PIDM |
Cryptocurrency (BTC/ETH)
Digital assets (via Luno/Hata)
Projected value
RM 1,762
+RM 762 (+76.2%)
Return p.a.
+12.0%
Possible range
RM 324 → RM 7,943(could lose money)
Min Low · High potential return, high risk, big swings both ways.
US stocks / S&P 500
Global equities (via Moomoo/Webull)
Projected value
RM 1,611
+RM 611 (+61.1%)
Return p.a.
+10.0%
Possible range
RM 748 → RM 2,381(could lose money)
Min Low (fractional shares) · S&P 500 ~10%/yr (USD, historical).
ASN variable funds (Equity / Imbang)
Unit trust, ASNB (variable price)
Projected value
RM 1,403
+RM 403 (+40.3%)
Return p.a.
+7.0%
Possible range
RM 970 → RM 2,219(could lose money)
Min RM10 · NAV-fluctuating ASN equity/balanced funds, open to all (unlike ASB).
Gold (physical / digital / GIA)
Commodity
Projected value
RM 1,403
+RM 403 (+40.3%)
Return p.a.
+7.0%
Possible range
RM 771 → RM 2,016(could lose money)
Min Low · Priced in USD, adds currency risk.
EPF (Akaun)
Retirement, KWSP
Projected value
RM 1,348
+RM 348 (+34.8%)
Return p.a.
+6.2%
Min Via salary / voluntary top-up · 2025: 6.15% (conv & Shariah); ~6% 10-yr avg.
Unit trust / mutual fund (equity)
Equity fund
Projected value
RM 1,338
+RM 338 (+33.8%)
Return p.a.
+6.0%
Possible range
RM 944 → RM 1,516(could lose money)
Min RM100-RM1,000 · Capital at risk.
Robo-advisor (global ETF portfolio)
StashAway · Wahed · Akru
Projected value
RM 1,338
+RM 338 (+33.8%)
Return p.a.
+6.0%
Possible range
RM 1,055 → RM 1,713
Min RM0-RM100 · Auto-built diversified global ETF portfolio at your chosen risk level.
REITs (Bursa Malaysia REITs)
Listed property
Projected value
RM 1,338
+RM 338 (+33.8%)
Return p.a.
+6.0%
Possible range
RM 842 → RM 1,612(could lose money)
Min ~RM100 · ~5-6% yield + price moves.
Bursa Malaysia stocks / KLCI ETF
Local equities
Projected value
RM 1,338
+RM 338 (+33.8%)
Return p.a.
+6.0%
Possible range
RM 749 → RM 1,783(could lose money)
Min ~RM100 · KLCI total return ~4-6% (price only ~3-4% over the last decade); single stocks far riskier.
P2P financing
Funding Societies etc.
Projected value
RM 1,338
+RM 338 (+33.8%)
Return p.a.
+6.0%
Possible range
RM 1,055 → RM 1,713
Min RM100 · Headline 10-18% gross, but defaults cut it to ~6% net (and can go negative).
ASB (Amanah Saham Bumiputera)
Unit trust, ASNB
Projected value
RM 1,323
+RM 323 (+32.3%)
Return p.a.
+5.8%
Min RM10 · FY2025: 5.75 sen (5.20 + 0.55 bonus).
Bumiputera only only
PRS (Private Retirement Scheme)
Retirement, market-linked
Projected value
RM 1,276
+RM 276 (+27.6%)
Return p.a.
+5.0%
Possible range
RM 1,223 → RM 1,332
Min RM100 · RM3k/yr tax relief (to YA2030).
ASNB fixed-price funds (ASM, ASM3)
Unit trust, ASNB (open to all)
Projected value
RM 1,261
+RM 261 (+26.1%)
Return p.a.
+4.8%
Min RM10 · 2025: ASM 5 sen, ASM3 4.75 sen.
SSPN (education savings)
PTPTN, SSPN Prime / Plus
Projected value
RM 1,223
+RM 223 (+22.3%)
Return p.a.
+4.1%
Min RM10 · FY2025 dividend 4.1% (11-yr high; FY2024 4.05%).
Govt securities / sukuk / bonds
MGS · GII · corporate sukuk
Projected value
RM 1,205
+RM 205 (+20.5%)
Return p.a.
+3.8%
Min RM1,000+ · MGS 10Y ~3.6%; principal returned at maturity, price moves if sold early.
Tabung Haji
Savings, Lembaga Tabung Haji
Projected value
RM 1,188
+RM 188 (+18.8%)
Return p.a.
+3.5%
Min RM10 · FY2025 hibah 3.50% (8-yr high).
Muslims only
Money-market / cash management
Versa · StashAway Simple · KDI Save
Projected value
RM 1,182
+RM 182 (+18.2%)
Return p.a.
+3.4%
Min RM1-RM100 · FD-like returns (~3.4%, promos to ~4%), liquid (T+1).
Fixed Deposit (12-month)
Bank deposit
Projected value
RM 1,171
+RM 171 (+17.1%)
Return p.a.
+3.2%
Min RM1,000 · OPR 2.75%. Board ~2.5-2.85%, promos ~3.0-3.65%. PIDM-protected.
Savings account
Bank deposit
Projected value
RM 1,025
+RM 25 (+2.5%)
Return p.a.
+0.5%
Min RM0 · Convenient but near-zero; inflation (~2%) erodes it.
Growth over time
RM 1,000 in Cryptocurrency (BTC/ETH) at 12.00% p.a., compounded annually. Bars show the expected value; ▼ worst - ▲ best if markets swing.
Find your best fit
Answer 3 questions for matching options, projected at your chosen horizon above.
Toggle to include ASB (Bumiputera) and Tabung Haji (Muslim).
ASNB fixed-price funds (ASM, ASM3)
Liquid, capital-guaranteed, beats savings.
SSPN (education savings)
Liquid, govt-backed, beats savings.
Fixed Deposit (12-month)
Short lock-in, PIDM-protected, beats savings.
Illustrative estimates at June 2026 rates, not financial advice. Market-linked options can lose money.
How this works & assumptions
- Formula: value = amount × (1 + return p.a.)years, years = horizon ÷ 12. Shorter horizons earn proportionally less.
- Compounding: annual, with full reinvestment.
- No fees or taxes: sales charges (~5% on unit trusts), management fees, brokerage, spreads and withholding are excluded, real net returns are lower.
- June-2026 rates: EPF ~6% (2025: 6.15%), ASB ~5.75% (FY2025), ASNB open funds ~5%, Tabung Haji ~3.5%, FD ~3.2% (OPR 2.75%), money-market ~3.4%, savings ~0.5%, MGS/sukuk ~3.8%, PRS ~5%, equity funds/REITs/Bursa ~6%, S&P 500 ~10%, gold ~7%, P2P ~8%.
- Risk bands: risk 3+ shows a low-high range of plausible bad/good years; the low end can be negative. Illustrative, not forecasts.
- Growth over time: same compounding math at 1-30 years for the top-ranked or chosen instrument, an illustration, not a forecast.
- Crypto: no single expected value, no reliable return, only a very wide band.
Last reviewed 12 June 2026. Rates change often, verify with the provider first. Educational only, not financial advice.
Frequently asked questions
Where should I invest RM1,000 in Malaysia?▾
For a safe start: a money-market fund (Versa, StashAway Simple, KDI Save, ~3.4% p.a., liquid), ASB/ASNB fixed-price funds (~4.75-5.75% p.a., capital-stable at RM1.00/unit) or a fixed deposit (~3.2% p.a., locked to maturity). If you can leave it for years and ride the swings, equity funds, a KLCI ETF or the S&P 500 have historically returned more (~6-10% p.a.) but can fall. Run RM1,000 through the simulator to compare.
Is EPF or ASB better?▾
Different jobs. EPF returns more (~6% p.a., 6.15% for 2025), is govt-backed with a 2.5% minimum, but is locked till 55, retirement money, not savings. ASB pays a bit less (5.75% FY2025), holds a capital-stable RM1.00/unit price and is withdrawable in 1-3 days, but is Bumiputera-only (others use ASNB open funds like ASM, ~5%). EPF for retirement, ASB/ASNB for flexible savings.
What is the safest investment in Malaysia?▾
Govt-backed or capital-stable ones: EPF (2.5% minimum), ASB/ASNB fixed-price funds (RM1.00/unit), Tabung Haji, FDs and savings (PIDM to RM250k/bank), and MGS/GII. They protect your principal under normal conditions, the trade-off is lower returns (~0.5-6% p.a.), which barely beat inflation at the low end.
Which investment gives the highest return in Malaysia?▾
Historically equities: US stocks / S&P 500 (~10% p.a. in USD, plus FX risk), Bursa stocks, REITs, gold and equity funds (~6-7% p.a.), plus P2P (headline up to ~18%, but defaults cut net returns). Crypto can spike higher but can also lose most of its value. Higher return means higher risk, they lose money in bad years, which is why the simulator shows a low-high range.
Are these returns guaranteed?▾
No. Only PIDM/govt-backed or capital-stable ones protect your principal (EPF and Tabung Haji govt-backed; FDs and savings PIDM-insured to RM250k; ASB/ASNB capital-stable at RM1.00/unit; MGS repaid at maturity), and even those don't promise a return in advance. Market-linked options can lose money. All figures are illustrative June-2026 estimates, not predictions.
What is PIDM protection?▾
PIDM is the govt deposit-insurer. It covers eligible bank deposits, savings, current accounts and FDs, up to RM250,000 per depositor per bank if the bank fails. Investment products (unit trusts, money-market funds, ASB/ASNB, stocks, P2P, crypto) are NOT PIDM-protected, even if sold by a bank; cash-management apps are SC-regulated instead.
Can I withdraw anytime?▾
Varies. Instant: savings, crypto. A few days: ASB, ASNB, Tabung Haji, money-market (T+1), US stocks (T+1), Bursa REITs/stocks (T+2), unit trusts (T+3-5). Locked or penalised: FDs forfeit interest if broken early; P2P notes tie up till maturity; EPF locked till 55 (Akaun Fleksibel aside); PRS charges 8% before 55. Use the "Withdraw anytime" filter for liquid options.
Is this financial advice?▾
No, general education only, not advice or a recommendation to buy anything. Rates are June-2026 figures assuming annual compounding with no fees or taxes, so your real outcome will differ. Verify rates, fees, eligibility and protection with the provider, and consider a licensed financial planner.