Financial Literacy
Enhancing Malaysian Investment Literacy
Your data-first guide to zero-to-low risk investments. Compare ASB, KWSP, Gold, and more—all in one place.
ASB 5.75% Annual dividend KWSP / EPF 6.15% Annual dividend GXBank 4.00% Best digital savings RIA 8.89% Best digital investment
For reference only. Not financial advice.
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Return comparison
View all →Government-Backed
| Asset | Annual Return | Real Return (−3%) | 5-Year Avg | Lock-in | Shariah |
|---|---|---|---|---|---|
| KWSP / EPF | 6.15% | +3.15% | 5.72% | Retirement (age 55); partial withdrawals allowed with conditions | No |
| Amanah Saham Bumiputera (ASB) | 5.75% | +2.75% | 5.10% | None (units redeemable anytime) | Yes |
| ASN Sara 2 | 5.54% | +2.54% | 3.43% | None | No |
Digital Savings
| Platform | Effective Rate | Real Return (−3%) | Cap (RM) | PIDM | Shariah |
|---|---|---|---|---|---|
| GXBank | 4.00% | +1.00% | RM 100,000 | Covered | No |
| AEON Bank | 3.00% | 0.00% | RM 250,000 | Covered | Yes |
| Rize (by Alliance Bank) | 2.75% | -0.25% | RM 500,000 | Covered | Yes |