{"id":18103,"date":"2023-08-21T21:34:00","date_gmt":"2023-08-21T13:34:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/fixed-deposit-alternatives-malaysia.html"},"modified":"2026-03-26T15:59:30","modified_gmt":"2026-03-26T07:59:30","slug":"fixed-deposit-alternatives-malaysia","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/savings-accounts\/fixed-deposit-alternatives-malaysia.html","title":{"rendered":"Fixed Deposit Alternatives In Msia That You Didn’t Know About"},"content":{"rendered":"\n

For a long time now, Fixed Deposits (FD) have been used by Malaysians to save their funds. However, FDs possess an inflexible nature, requiring its users to<\/span> put in a high deposit <\/strong>and<\/span> locking in their money for a long time<\/strong>. It also charges a penalty for those who make an early withdrawal. <\/span><\/p>\n

Therefore, over the past year, more and more flexible alternatives<\/strong> have been innovated in the world of finance. Most of them are regulated by the Security Commission (SC) of Malaysia<\/strong> and allow users to enjoy favourable rates on their savings with a small capital<\/strong>.<\/span><\/p>\n

In this article, we will be comparing 4 different FD alternatives in Malaysia<\/strong>. Read on to learn more!<\/span><\/p>\n

1. StashAway Simple<\/h2>\n

\"stashaway-652x375\"Source: StashAway<\/span><\/p>\n

As StashAway Simple says, growing your cash should be simple. Users can <\/span>save their money with ease through the StashAway app<\/strong>, which happens to be incredibly<\/span> user-friendly<\/strong>. <\/span><\/p>\n

The money you save with StashAway Simple will go into its underlying funds, AmIncome Fund<\/strong>. Whether you’re starting up with RM1 or RM100,000<\/strong>, this FD alternative still makes it possible for you to earn the full projected rate. <\/span><\/p>\n

What’s more, with StashAway Simple, you will be earning stable returns<\/strong> on your cash, so no longer will you need to worry about volatile markets!<\/span><\/p>\n

\n\n\n\n\n\n\n\n\n\n
Indicative interest rate<\/strong><\/td>\n2.5% p.a.<\/span><\/td>\n<\/tr>\n
Minimum investment amount<\/strong><\/td>\nRM0<\/span><\/td>\n<\/tr>\n
Minimum withdrawal amount<\/strong><\/td>\nRM0<\/span><\/td>\n<\/tr>\n
Withdrawal period<\/strong><\/td>\nWithin 3 to 4 working days<\/span><\/td>\n<\/tr>\n
Shariah-compliant<\/strong><\/td>\nNo<\/span><\/td>\n<\/tr>\n
Salary requirements<\/strong><\/td>\nNone<\/span><\/td>\n<\/tr>\n
Fees<\/strong><\/td>\n– Net expense ratio of around 0.5% p.a<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

2. Versa<\/h2>\n

\"Screenshot<\/p>\n

Source: The Edge Market<\/p>\n

Promoting itself as “the alternatives to fixed deposits, but better”, Versa heavily emphasises that its users can earn <\/span>up to 2.4% per annum<\/strong>, which is <\/span>on par with conventional FD rates<\/strong>. Since its underlying fund is the Affin Hwang Enhanced Deposit fund, users’ money will be invested in <\/span>highly liquid and low-risk cash instruments<\/strong>. <\/span><\/p>\n

It’s also incredibly easy to start saving with Versa – Malaysians aged 18 and above can start saving or investing through Versa from as low as RM1<\/strong>. They can also withdraw their funds anytime <\/strong>without being charged a penalty fee. Also, similar to StashAway Simple, the Versa app is user-friendly<\/strong> too!<\/span><\/p>\n

\n\n\n\n\n\n\n\n\n\n
Indicative interest rate<\/strong><\/td>\n2.4% p.a.<\/span><\/td>\n<\/tr>\n
Minimum investment amount<\/strong><\/td>\nRM1<\/span><\/td>\n<\/tr>\n
Minimum withdrawal amount<\/strong><\/td>\nRM50<\/span><\/td>\n<\/tr>\n
Withdrawal period<\/strong><\/td>\nWithin 1 working day<\/span><\/td>\n<\/tr>\n
Shariah-compliant<\/strong><\/td>\nNo<\/span><\/td>\n<\/tr>\n
Salary requirements<\/strong><\/td>\nNone<\/span><\/td>\n<\/tr>\n
Fees<\/strong><\/td>\n– Management fee of 0.3% p.a.<\/span>
– Trustee fee of 0.05% p.a.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

3. Touch ‘n Go GO+<\/h2>\n

\"maxresdefault\"<\/p>\n

Source: Touch ‘n Go<\/p>\n

With GO+, Malaysians can now <\/span>save conveniently while earning steadily<\/strong>. All you have to do is <\/span>cash in your eWallet balance into the GO+ feature on the Touch ‘n Go eWallet app<\/strong>, and you’re set to start earning!<\/span><\/p>\n

With the Principal e-Cash Fund serving as its underlying fund, this cash management solution allows users to save or invest with a peace of mind. <\/span><\/p>\n

Further, with GO+, users can make instant withdrawals from their GO+ to their eWallet balance<\/strong> or even use funds in GO+ to make payments<\/strong>. However, users do need to take note of its maximum account balance limit of RM9,500<\/strong>.<\/span><\/p>\n

\n\n\n\n\n\n\n\n\n\n
Indicative interest rate<\/strong><\/td>\n1.75% p.a.<\/span><\/td>\n<\/tr>\n
Minimum investment amount<\/strong><\/td>\nRM10<\/span><\/td>\n<\/tr>\n
Minimum withdrawal amount<\/strong><\/td>\nRM10<\/span><\/td>\n<\/tr>\n
Withdrawal period<\/strong><\/td>\nTo TNG Wallets: Immediately<\/span>
To bank accounts: 1 working day<\/span><\/td>\n<\/tr>\n
Shariah-compliant<\/strong><\/td>\nYes<\/span><\/td>\n<\/tr>\n
Salary requirements<\/strong><\/td>\nNone<\/span><\/td>\n<\/tr>\n
Fees<\/strong><\/td>\n– Management fee of up to 0.45% p.a.<\/span>
– Trustee fee of up to 0.03% p.a.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

4. Kenanga Digital Investing (KDI) Save<\/h2>\n

\"kdi-laptop-phone-main\"<\/p>\n

Source: Kenanga<\/p>\n

Boasting a high payout frequency, KDI Save reflects user earnings on a daily basis, thus allowing users to receive their interest daily<\/span> on its platform.<\/p>\n

Due to its ongoing promotional return rate of 3% p.a.<\/span> until the end of December 2022 and the fact that it does not charge its users any management fees<\/span>, the platform has been incredibly popular. Further, with Proprietary Money Market Instruments<\/span> from Kenanga serving as KDI Save’s underlying funds, users can save with KDI Save without worries of volatility in the market.<\/span><\/p>\n

To start using KDI Save, users will need to sign up for a KDI account, which will also give you access to KDI Invest.<\/span><\/span><\/p>\n

\n\n\n\n\n\n\n\n\n\n
Indicative interest rate<\/strong><\/td>\n2.25% p.a.<\/span><\/td>\n<\/tr>\n
Minimum investment amount<\/strong><\/td>\nRM100 (subsequent minimum investment amount RM10)<\/span><\/td>\n<\/tr>\n
Minimum withdrawal amount<\/strong><\/td>\nRM10<\/span><\/td>\n<\/tr>\n
Withdrawal period<\/strong><\/td>\nWithin 1 to 2 working days<\/span><\/td>\n<\/tr>\n
Shariah-compliant<\/strong><\/td>\nNo<\/span><\/td>\n<\/tr>\n
Salary requirements<\/strong><\/td>\nNone<\/span><\/td>\n<\/tr>\n
Fees<\/strong><\/td>\nNone<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

So, which of these FD alternatives will you be using? Let us know in the comment section!<\/h4>\n","protected":false},"excerpt":{"rendered":"

For a long time now, Fixed Deposits (FD) have been used by Malaysians to save their funds. However, FDs possess an inflexible nature, requiring its users to put in a high deposit and locking in their money for a long time. It also charges a penalty for those who make an early withdrawal.<\/p>\n","protected":false},"author":268230141,"featured_media":787,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[435],"tags":[],"class_list":["post-18103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings-accounts"],"yoast_head":"\nFixed Deposit Alternatives In Msia That You Didn't Know About - CompareHero<\/title>\n<meta name=\"description\" content=\"In this article, we will be comparing 4 different FD alternatives in Malaysia. 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