Where to grow your money — without losing sleep
If you’re new to investing, the fear of losing money is very real.
But good news: Not all investments are risky.
Here are 5 low-risk, beginner-friendly investments in Malaysia to help you grow your money safely 🚀👇
1. 🏦 Amanah Saham Bumiputera (ASB)
Return: ~4%–5.25% annually
Risk: Very low
Who it’s for: Bumiputera only
Why it’s good:
- Capital guaranteed by the government
- Pays annual dividends
- Flexible: top-up anytime, withdraw anytime
- Can also invest through ASB Financing (loan) for higher returns — but only if done wisely
✅ Perfect for first-timers who want steady growth with minimal risk.
2. 🪙 EPF (KWSP) Voluntary Contributions
Return: ~5%–6% annually
Risk: Very low
Who it’s for: All EPF members
Why it’s good:
- Strong, consistent returns
- Very safe (backed by government oversight)
- Tax relief up to RM4,000/year
- Can now top up into Akaun 3 for easier access!
✅ Great for long-term savers who want to grow money for retirement — safely.
3. 💻 Robo-Advisors (e.g. Wahed, StashAway, Versa, BEST)
Return: 3%–6% (varies by portfolio)
Risk: Low to moderate
Who it’s for: Everyone, including beginners
Why it’s good:
- Automated, stress-free investing
- You choose your risk level
- Low fees
- Halal options available (Wahed, BEST)
- Can start with RM10–RM100
✅ Ideal for those who want diversification, but don’t want to manage it themselves.
4. 📈 Fixed Deposit (FD)
Return: ~2.5%–4% (depends on bank & duration)
Risk: Extremely low
Who it’s for: Everyone
Why it’s good:
- Guaranteed return
- Capital protected
- Options to go short-term (3–6 months) or long-term (1–5 years)
Pro tip: Look for promos from Islamic banks — sometimes offer higher rates.
✅ Safe place to park extra cash while earning passive income.
5. 📊 Money Market Funds (via apps like Versa, KDI Save, Touch ‘n Go GO+ or Raiz)
Return: ~2.5%–3.5%
Risk: Very low
Who it’s for: Everyone
Why it’s good:
- Daily returns (you can see your money grow!)
- Can withdraw anytime
- Higher return than savings accounts
- No lock-in period
✅ Great for your emergency fund or short-term savings.
🔑 Final Tips Before You Start:
- Start small. Even RM100 is enough.
- Automate your monthly investments (RM50–RM200/month)
- Stay consistent — don’t panic when markets move
- Match your goals:
- Short-term → FD, Money Market
- Mid/Long-term → ASB, Robo, EPF
TL;DR – Quick Comparison Table
| Investment | Return (est.) | Risk | Access | Best For |
|---|---|---|---|---|
| ASB | 4–5.25% | Very low | Anytime | Bumiputeras, steady growth |
| EPF Top-Up | 5–6% | Very low | Locked (Akaun 1), Flexible (Akaun 3) | Long-term savers |
| Robo-Advisors | 3–6% | Low-Med | Easy (via apps) | Beginners, passive investing |
| Fixed Deposit | 2.5–4% | Very low | After maturity | Risk-averse, cash buffers |
| Money Market Funds | 2.5–3.5% | Very low | Anytime | Emergency fund, short-term |
Final Thoughts
You don’t need to start big.
You just need to start smart.
Low-risk investing is a great way to build confidence, grow wealth, and avoid sleepless nights.
Because wealth isn’t built overnight — it’s built consistently.
0 Comments