Where should you put your money in Malaysia for the best returns? This page compares the best dividend yield Malaysia 2026 — EPF, ASB (Bumi & non-Bumi Amanah Saham), Fixed Deposit, REITs, Maybank, and Gold — across 2024, 2025 and Q1 2026 — including the latest EPF dividend, ASB dividend, and top REIT yields. Updated April 2026.
Best Dividend Yield Malaysia — 2026 Comparison
Updated May 2026 · Tap any card to see full details, withdrawal terms & eligibility.
Yield at a Glance (2025 declared / latest)
Shariah account available — same 6.15% rate, Shariah-compliant, switchable anytime. Boost with i-Saraan voluntary contributions (15% government top-up).
ASB2 (separate 200k cap, ~5.00%) — Bumi investors can stack both for up to 400,000 units of capital-safe savings. Combine ASB + ASB2 = the most powerful low-risk combination in Malaysia.
Note: unit price can fluctuate (not fixed RM1), though historically very stable. Register at myASNB.com.my or any major bank.
Promo rates sometimes above 4% at smaller banks. Always compare before locking in. → Compare best FD rates
Quarterly distributions ideal for passive income. Capital not guaranteed — unit price fluctuates. Sell anytime via Bursa (T+2).
Capital not guaranteed. REIT unit price moves with market sentiment and rental income performance.
Capital not guaranteed; price fluctuates with market conditions.
Share price fluctuates. No lock-in — sell anytime on Bursa (T+2). Capital not guaranteed.
Access via: physical gold, Maybank or Public Gold savings account, or gold ETF. No lock-in. Best as a small portfolio hedge (<10%), not a primary income source.
⚠️ Historical/declared rates only. REIT, Maybank and Gold yields vary with market price. Not financial advice.
Ask rates.my
Amanah Saham (ASNB) Malaysia 2026: Bumi & Non-Bumi Guide
ASNB (Amanah Saham Nasional Berhad) — a PNB subsidiary — manages Malaysia's most popular low-risk unit trust funds. Key advantage: government-backed, tax-free dividends, no sales charge. Choose your category below.
Bumiputera-Exclusive Funds (Fixed Price = Capital Safe)
| Fund | 2025 Dividend | Unit Cap | Key Fact |
|---|---|---|---|
| ASB Amanah Saham Bumiputera |
5.75% (5.50% div + 0.25% bonus) |
200,000 units | Flagship Bumi fund. Fixed RM1/unit capital cannot drop. Tax-free. Withdraw anytime. |
| ASB2 Amanah Saham Bumiputera 2 |
~5.00% (4.50% div + 0.50% bonus) |
200,000 units | Separate 200k cap from ASB. Bumis can stack both for up to 400k capital-safe units. |
Eligibility: Melayu, Orang Asli, Bumiputera Sabah & Sarawak (MyKad verified). Non-Bumi citizens cannot hold ASB or ASB2.
Open to ALL Malaysians: Variable-Price ASNB Funds
| Fund | ~2025 Return | Risk | Best For |
|---|---|---|---|
| AS1Malaysia Amanah Saham 1Malaysia |
~4.00% | Low | Top non-Bumi pick. Low-risk, steady yield. Variable NAV. |
| ASW2020 Amanah Saham Wawasan 2020 |
~3.80% | Low | Mature income fund, long track record. Good for conservative savers. |
| ASD Amanah Saham Didik |
~3.50% | Low | Education savings. Account holder must be under 18. |
| ASN Equity 3 / ASNB Equity | 3-6% (varies) | Low-Med | Higher potential via equities. Capital loss possible. Medium-term investors. |
Register at myASNB.com.my or via Maybank, CIMB, RHB, AmBank. Min. RM10. MyKad required.
ASB vs AS1Malaysia: Side-by-Side
| Feature | ASB / ASB2 (Bumi only) | AS1Malaysia (All Malaysians) |
|---|---|---|
| Eligibility | Bumiputera only | All Malaysians |
| Price per unit | Fixed RM1 | Variable NAV |
| Capital safety | Guaranteed | Can fluctuate |
| 2025 yield | 5.75% | ~4.00% |
| Sales charge | None | None |
| Dividends taxable? | No | No |
Yields are historical and not guaranteed. Verify latest distributions at myasnb.com.my.
🧮 Investment Return Calculator
▶ Full comparison guide, REIT explainer & official sources
What is a REIT?
A REIT (Real Estate Investment Trust) pools investor capital to own income-producing properties — shopping malls, hotels, offices. Listed REITs on Bursa Malaysia must distribute at least 90% of taxable income as dividends. Buy and sell anytime (T+2 settlement).
- SunREIT (5176) — Sunway Pyramid & hotels. ~6.5% yield in 2025 (record 14.48 sen/unit).
- PavREIT (5212) — Pavilion KL & Bukit Jalil. ~5.8% yield in 2025.
- IGB REIT (5227) — Mid Valley & The Gardens Mall. ~5.2% yield in 2025.
Best dividend yield Malaysia 2026 — who is it for?
- EPF — Best for long-term retirement. 6.15% p.a., government-guaranteed, annual compounding.
- ASB / ASB2 — Best for Bumiputera. Capital-guaranteed, fully liquid, tax-free. Max 400k stacked.
- AS1Malaysia / ASW2020 — Best for non-Bumiputera seeking safe low-risk returns.
- REITs — Best for passive income investors who accept market price fluctuation.
- Fixed Deposit — Safest. PIDM-insured. Best for short-term cash parking.
- Maybank — Best for dividend + capital gain combo. DRP available.
Official sources: EPF (KWSP) · PNB · Bursa Malaysia · PIDM
❓ Dividend & Savings FAQ
Is EPF better than ASB in 2026?
EPF paid 6.15% in 2025, ASB paid 5.75%. EPF is slightly higher but locked until age 55. ASB (Amanah Saham Bumiputera) is fully liquid — withdraw anytime via myASNB. Choose EPF for retirement compounding, ASB for accessible savings. Note: ASB is Bumiputera-only.
What is the ASB dividend 2025?
ASB (Amanah Saham Bumiputera) dividend 2025: 5.75% (5.50 sen dividend + 0.25 sen bonus per unit), credited 1 January 2026. Capital-guaranteed at RM1/unit. Tax-free. Bumiputera only. Max 200,000 units.
What is ASB2 and how is it different from ASB?
ASB2 (Amanah Saham Bumiputera 2) has a separate 200,000-unit cap from ASB. Bumiputera investors can hold both — up to 400,000 capital-safe units total. ASB2 paid ~5.0% in 2025 (slightly lower than ASB's 5.75%). Same RM1/unit fixed price, same liquidity. Max out ASB first, then add ASB2.
Can non-Bumiputera invest in Amanah Saham (ASNB)?
Yes. AS1Malaysia (~4.0%) and ASW2020 (~3.8%) are open to all Malaysians. Variable NAV (not capital-guaranteed like ASB), but historically stable and low-risk. Tax-free. Register at myasnb.com.my. Min RM10, MyKad required.
What is the best REIT dividend yield in Malaysia 2026?
Based on 2025 data: Sunway REIT ~6.5% (record 14.48 sen/unit), Pavilion REIT ~5.8%, IGB REIT ~5.2%. REIT yields fluctuate with unit price — check Bursa Malaysia for live data. No capital guarantee.
Are Fixed Deposits worth it?
FDs offer PIDM insurance up to RM250,000 and zero market risk — ideal for short-term savings (1–3 years). Current rates: 3.0–3.85%. They trail EPF and ASB on yield but beat them on safety and accessibility for emergency funds.
Do I pay tax on EPF, ASB, REIT income in Malaysia?
EPF dividends — tax-exempt. ASB/ASNB dividends — tax-exempt. Malaysian share dividends — tax-exempt (single-tier). REIT distributions — 10% withholding tax for Malaysian residents. Verify with LHDN.
Berapa dividen ASB 2025? (Bahasa Malaysia)
Dividen ASB 2025: 5.75% (5.50 sen dividen + 0.25 sen bonus), dikreditkan 1 Januari 2026. Modal terjamin RM1/unit. Bebas cukai. Untuk Bumiputera sahaja. Had 200,000 unit. Daftar di myasnb.com.my.
Berapa kadar dividen KWSP 2025?
KWSP (EPF) 2025: 6.15% untuk Simpanan Konvensional dan Simpanan Shariah. Diumumkan 27–28 Februari 2026. Dividen 2024 ialah 6.30%.
💳 Optimise beyond investing
A 5–8% cashback credit card on daily spending often adds more to annual returns than chasing an extra 0.5% on a fixed deposit — and it stacks on top of your EPF, ASB and REIT yield.
Compare 47 Best Credit Cards in Malaysia →
EPF for long term compounded gains all the way! Should contribute willingly but up to rm100k tho
Gold up all the way!
Asb strongggg
Wah KWSP 6.15% still solid lah, better than FD by miles. Top up self-contribution sampai max tiap tahun, compound slow slow confirm boleh retire.
Sunway REIT 6.5% distribution yield memang power lah! Pavilion and IGB pun ok, tapi jangan lupa capital risk — harga unit boleh turun if occupancy drop. Buy on dip, hold for yield.
Maybank (1155) DY ~5.8% plus share price naik, dua-dua dapat. Blue chip banking stock memang core holding mesti ada. DRP mode on, reinvest dividend auto, long run senyum je.
Eh but don’t forget ASB dividend 5.75% is still tax-free and capital-guaranteed. For Bumiputera investors, max out the RM300k limit first before touching REIT or unit trust. Safest 5%+ yield in Malaysia, period.
My two cents: 12-month FD around 3.5% memang kalah EPF, tapi for parking cash <1 year or retirees who need PIDM-insured capital protection, FD still has its place. Shop promo rates — RHB, Alliance, Hong Leong sometimes push 4%+.
Gold +60% in MYR last year is insane, but remember gold pays zero dividend. I balance my portfolio 60% EPF+ASB, 25% REIT (Sunway & IGB), 10% gold, 5% cash. Diversification > chasing hot returns.
Honest take: EPF 6.15% vs 2024’s 6.30% is a slight drop, and if inflation stays above 3% real return is only ~3%. Still beats FD but don’t expect 7-8% glory days anytime soon. Manage expectations lah.
IGB REIT yang tracks Mid Valley & Gardens Mall memang stable cashflow. ~5.2% yield consistent, DPU grew almost every year. For long-term dividend investor who wants exposure to premium KL retail, worth considering.
ya mid valley memang power, can sleep nicely and earn dividend here
pavreit also nice, my favourite
Young investor here. Started dollar-cost averaging into Maybank shares via Rakuten Trade, plus max EPF i-Saraan contribution. Combination of dividend + capital growth over 20-30 years mesti beat FD by far. Patience is key!
usa stocks now up all time high, S&P 500 was a good yield
ASB very good for stable dividend
everything up
Asb strong
very good asb