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Tools/Investment Return Simulator

Investment Return Simulator

Pick an amount and horizon — compare projected returns across every major Malaysian instrument, with risk, liquidity and protection.

EPF, ASB, FD, money-market, unit trusts, REITs, stocks, gold, P2P or crypto — this simulator projects your money forward and ranks every option by return, risk, lock-in and protection. Riskier assets show a low–high range so you see the real chance of losing money, plus a long-run growth-over-time view at 1–30 years.

RM
RM 100RM 100,000
RM 1,000 over 5 years (5Y), annual compounding. 16 instruments shown.
#1
US stocks / S&P 500 logo

US stocks / S&P 500

Global equities (via Moomoo/Webull)

At risk

Projected value

RM 1,611

Gain

+RM 611+61.1%

Possible range

RM 237 → RM 3,713(could lose money)

4/51–3 days10.00% p.a.

Min Low (fractional shares) · S&P 500 ~10%/yr (USD, historical). Adds FX risk + 30% US dividend withholding.

Start with Moomoo
#2
P2P financing logo

P2P financing

Funding Societies etc.

SC-reg

Projected value

RM 1,469

Gain

+RM 469+46.9%

Possible range

RM 1,000 → RM 2,288

4/5Months8.00% p.a.

Min RM100 · Headline to 18%, but defaults cut net returns. Spread across notes. Not PIDM.

Start with Funding Societies
#3

Gold (physical / digital / GIA)

Commodity

At risk

Projected value

RM 1,403

Gain

+RM 403+40.3%

Possible range

RM 328 → RM 3,052(could lose money)

3/5T+17.00% p.a.

Min Low · Inflation hedge, no yield. Price swings; watch the spread.

#4
EPF (Akaun) logo

EPF (Akaun)

Retirement — KWSP

Govt

Projected value

RM 1,338

Gain

+RM 338+33.8%

1/5Locked to 556.00% p.a.

Min Via salary / voluntary top-up · 2025: 6.15% (conv & Shariah); ~6% 10-yr avg. Best long-term, but locked till 55.

#5

Unit trust / mutual fund (equity)

Equity fund

SC-reg

Projected value

RM 1,338

Gain

+RM 338+33.8%

Possible range

RM 590 → RM 1,762(could lose money)

3/5~1 week6.00% p.a.

Min RM100–RM1,000 · Capital at risk. Watch sales charge (~5%) + annual fees.

#6
REITs (Bursa Malaysia REITs) logo

REITs (Bursa Malaysia REITs)

Listed property

At risk

Projected value

RM 1,338

Gain

+RM 338+33.8%

Possible range

RM 444 → RM 2,011(could lose money)

3/51–3 days6.00% p.a.

Min ~RM100 · ~5–6% yield + price moves. Property exposure; capital at risk.

Start with Moomoo
#7
Bursa Malaysia stocks / KLCI ETF logo

Bursa Malaysia stocks / KLCI ETF

Local equities

At risk

Projected value

RM 1,338

Gain

+RM 338+33.8%

Possible range

RM 328 → RM 2,488(could lose money)

4/51–3 days6.00% p.a.

Min ~RM100 · KLCI ~5–7% long run; single stocks far riskier. Capital at risk.

Start with Moomoo
#8

ASB (Amanah Saham Bumiputera)

Unit trust — ASNB

Guaranteed

Projected value

RM 1,323

Gain

+RM 323+32.3%

1/51–3 days5.75% p.a.

Min RM10 · FY2025: 5.75 sen (5.20 + 0.55 bonus). Capital-guaranteed, liquid. RM300k cap.

Bumiputera only only

#9
PRS (Private Retirement Scheme) logo

PRS (Private Retirement Scheme)

Retirement — market-linked

SC-reg

Projected value

RM 1,276

Gain

+RM 276+27.6%

Possible range

RM 1,159 → RM 1,403

3/5Locked to 555.00% p.a.

Min RM100 · RM3k/yr tax relief (to YA2030). Market-linked; 8% penalty if you withdraw before 55.

Start with Versa
#10

ASNB fixed/variable funds (ASM, ASN)

Unit trust — ASNB (open to all)

Guaranteed

Projected value

RM 1,261

Gain

+RM 261+26.1%

1/51–3 days4.75% p.a.

Min RM10 · 2025: ASM 5 sen, ASM3 4.75 sen. Open to all, no holding cap.

#11

Govt securities / sukuk / bonds

MGS · GII · corporate sukuk

SC-reg

Projected value

RM 1,205

Gain

+RM 205+20.5%

2/5~1 week3.80% p.a.

Min RM1,000+ · MGS 10Y ~3.6%, govt-backed. Corporate sukuk: higher yield, more risk.

#12
Tabung Haji logo

Tabung Haji

Savings — Lembaga Tabung Haji

Govt

Projected value

RM 1,188

Gain

+RM 188+18.8%

2/5~1 week3.50% p.a.

Min RM10 · FY2025 hibah 3.50% (8-yr high). Deposits govt-guaranteed (not PIDM). Doubles as Hajj savings.

Muslims only

#13
Money-market / cash management logo
Money-market / cash management logo

Money-market / cash management

Versa · StashAway Simple · KDI Save

SC-reg

Projected value

RM 1,182

Gain

+RM 182+18.2%

2/5T+13.40% p.a.

Min RM1–RM100 · FD-like returns (~3.4%, promos to ~4%), liquid (T+1). SC-regulated, not PIDM.

Start with Versa
#14

Fixed Deposit (12-month)

Bank deposit

PIDM

Projected value

RM 1,171

Gain

+RM 171+17.1%

1/5At maturity3.20% p.a.

Min RM1,000 · OPR 2.75%. Board ~2.5–2.85%, promos ~3.0–3.65%. PIDM-protected.

Compare FD rates
#15

Savings account

Bank deposit

PIDM

Projected value

RM 1,025

Gain

+RM 25+2.5%

1/5Instant0.50% p.a.

Min RM0 · Convenient but near-zero; inflation (~2%) erodes it. PIDM-protected.

#16
Cryptocurrency (BTC/ETH) logo

Cryptocurrency (BTC/ETH)

Digital assets (via Luno/Hata)

At risk

Projected value

Highly unpredictable

Gain

N/A

Possible range

RM 10 → RM 32,000(could lose money)

5/5InstantUnpredictable

Min Low · Extremely volatile — can lose most or all. No reliable return; band is illustrative, not a forecast.

Start with Luno

Growth over time

RM 1,000 in US stocks / S&P 500 at 10.00% p.a., compounded annually. Illustration, not a forecast.

1Y
RM 1,100
3Y
RM 1,331
5Y
RM 1,611
10Y
RM 2,594
15Y
RM 4,177
20Y
RM 6,727
30Y
RM 17,449
Year1Y3Y5Y10Y15Y20Y30Y
Value1,1001,3311,6112,5944,1776,72717,449
Range7501,3004222,1972373,7135613,7861351,1863190,05002,619,996

Same compounding math as above; excludes fees and taxes. Past performance doesn’t guarantee future results — actual outcomes will differ.

Find your best fit

Answer 3 questions for matching options — a starting point, not advice.

Toggle to include ASB (Bumiputera) and Tabung Haji (Muslim).

Top match

ASNB fixed/variable funds (ASM, ASN)

Liquid, capital-guaranteed, beats savings.

1/5
In 1 year: RM 1,048(+RM 48)
Runner-up

Govt securities / sukuk / bonds

Short lock-in, govt-backed, beats savings.

2/5
In 1 year: RM 1,038(+RM 38)
Runner-up

Fixed Deposit (12-month)

Short lock-in, PIDM-protected, beats savings.

1/5
In 1 year: RM 1,032(+RM 32)
Compare FD rates

A starting point — not financial advice or a recommendation to buy. Same illustrative June-2026 rates as the table.

Important — read before investing

Figures are illustrative estimates at June 2026 rates, assuming annual compounding and reinvestment, no fees or taxes. Not predictions.

Past performance doesn’t guarantee future results. Market-linked options (unit trusts, REITs, stocks, gold, P2P, crypto) can lose money — the band shows a plausible range, including ending with less than you put in. Crypto has no reliable expected return.

General info, not financial advice. Verify rates, fees, eligibility and protection (e.g. PIDM) with the provider first.

Educational only · Computed locally in your browser · No data is sent to any server

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 funds (~4.75–5.75% p.a., capital-guaranteed) 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), is capital-guaranteed at RM1.00/unit and 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?▾

Capital-guaranteed or govt-backed 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 capital-guaranteed or PIDM/govt-backed ones protect your principal (EPF, ASB/ASNB, Tabung Haji, FDs, savings, MGS) — 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), 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.

All calculations run in your browser. No amount, horizon or selection is sent to any server.