Where should you put your money in Malaysia for the best returns? This page compares the best dividend yields in Malaysia — EPF, ASB, Fixed Deposit, REITs, Maybank, and Gold — across 2024, 2025 and Q1 2026. Updated April 2026.
📊 Malaysia Dividend & Return Comparison (2024–Q1 2026)
Click any column header to sort. Updated April 2026.
| Instrument | 2024 Yield | 2025 Yield | Q1 2026 | Risk | Withdrawal Terms |
|---|---|---|---|---|---|
| 💰 EPF KonvensionalEmployees Provident Fund | 6.30% | 6.15% | Declared Mar 2027 | Very Low Govt-backed, min 2.5% |
Locked until 55 (full). Partial for housing, education, medical, hajj. Akaun Fleksibel accessible anytime. |
| 💰 EPF ShariahSimpanan Shariah | 6.30% | 6.15% | Declared Mar 2027 | Very Low Shariah-compliant, same guarantee |
Same as Konvensional. Switch between Shariah/Conventional anytime. |
| 🟢 ASBAmanah Saham Bumiputera (PNB) | 5.50% | 5.75% | Declared Dec 2026 | Very Low Fixed RM1/unit, capital-guaranteed |
Fully liquid — withdraw anytime via myASNB app, ATM, or counter. No lock-in. Bumiputera only. |
| 🏦 Fixed Deposit12-month (Major Banks) · Compare Best FD Rates → | ~3.5–4.0% | ~3.0–3.85% | ~3.0–3.7% | Very Low PIDM-insured up to RM250,000 |
Fixed term (1–24 months). Early withdrawal forfeits interest. Some banks allow partial early exit with penalty. No market risk. |
| 🏢 PavREITPavilion REIT (Bursa: 5212) | ~5.5–6.0% ~9.1 sen/unit total |
~5.8% 10 sen/unit total |
~2.8% 4.81 sen paid (Q1) |
Medium Retail mall REIT; price & occupancy risk |
Traded on Bursa Malaysia. Sell anytime (T+2). Distributions semi-annually. No lock-in but capital value not guaranteed. |
| 🏢 SunREITSunway REIT (Bursa: 5176) | ~5.2% 10.00 sen/unit total |
~6.5% 14.48 sen (record) |
~3.2% Q4 2025 dist. paid Q1 |
Medium Diversified REIT (retail, hotel, office) |
Traded on Bursa Malaysia. Sell anytime (T+2). Distributions quarterly. No lock-in. |
| 🏢 IGB REITIGB REIT (Bursa: 5227) | ~5.5% ~8.2 sen/unit total |
~5.2% ~8.3 sen/unit total |
~1.3% 3.19 sen (Q1 dist.) |
Medium Mid Valley & The Gardens Mall |
Traded on Bursa Malaysia. Sell anytime (T+2). Distributions quarterly. No lock-in. |
| 🏦 Maybank (MAY)Malayan Banking (Bursa: 1155) | ~6.0% | ~5.8% | ~5.8% Based on trailing DPS |
Medium Share price fluctuates; banking risk |
Traded on Bursa Malaysia. Dividends twice yearly (interim + final). DRP available. No lock-in, capital not guaranteed. |
| 🥇 Gold (MYR)Capital Gain (no yield/dividend) | +26–27% Capital gain in MYR |
+~60% Record-high surge |
+~18% Jan–Mar 2026 est. |
Higher Risk No income; price can drop sharply |
No lock-in if physical gold, gold savings account (e.g. Maybank, Public Gold) or gold ETF. No income/dividend — return is purely capital gain. Highly volatile. |
⚠️ Historical/declared rates only. REIT, Maybank, and Gold yields vary with market price. Not financial advice.
🧮 Investment Return Calculator
🔑 Key Takeaways (April 2026)
- Best guaranteed return: EPF at 6.15–6.30% with full government backing remains the benchmark.
- Best liquid + guaranteed (Bumi): ASB at 5.75% with daily withdrawal and capital guarantee.
- Highest REIT yield: SunREIT hit a record 6.5% in 2025; PavREIT and IGB REIT offer 5–6%.
- Safe & simple: Fixed Deposits offer PIDM-insured returns of ~3.0–3.7% — lower yield, zero risk.
- Best capital gain: Gold surged +26% in 2024 and +60% in 2025 in MYR — but with high volatility and zero income.
- Stocks/REITs: Maybank offers ~5.8% yield; REITs give 5–6.5% but carry market price risk.
What Is a REIT (Real Estate Investment Trust)?
A Real Estate Investment Trust (REIT) is a company that owns, operates, or finances income-producing real estate — such as shopping malls, office towers, hotels, and warehouses. REITs pool money from many investors to buy and manage these properties, then distribute at least 90% of their taxable income as dividends to unit holders.
In Malaysia, REITs are listed and traded on Bursa Malaysia just like regular shares. You can buy or sell REIT units during market hours with no lock-in period. The three REITs tracked on this page are:
- PavREIT (5212) — Pavilion REIT owns Pavilion KL, Pavilion Bukit Jalil, and other retail properties. It is one of Malaysia’s largest retail-focused REITs.
- SunREIT (5176) — Sunway REIT is the largest diversified REIT in Malaysia, owning Sunway Pyramid, Sunway Resort Hotel, and various office and retail assets across the country.
- IGB REIT (5227) — IGB REIT owns Mid Valley Megamall and The Gardens Mall, two of Malaysia’s most visited and highest-grossing shopping centres.
Key REIT metrics to know: Distribution Per Unit (DPU) is the amount paid to each unit holder per distribution period. Dividend yield is the annual DPU divided by the current unit price. A lower unit price increases the yield, but may reflect weaker sentiment or fundamentals. Always check occupancy rates, gearing (debt level), and distribution history before investing.
EPF vs ASB vs FD vs REITs vs Gold – Which Is Best for You?
The right investment depends on your goals, timeline, risk tolerance, and eligibility. EPF is ideal for long-term retirement savings — it’s government-backed, consistent above 6%, and accessible via Akaun Fleksibel. ASB is the top choice for Bumiputera investors who want capital protection with competitive yields and daily liquidity. Fixed Deposits suit ultra-conservative investors who prioritise safety and PIDM insurance over higher returns. REITs provide attractive 5–6.5% yields from real estate income with daily tradability, but unit prices fluctuate. Gold is a powerful inflation hedge and has delivered exceptional capital gains (+26% in 2024, +60% in 2025) but pays zero income and can correct sharply. Maybank shares offer both dividend income (~5.8%) and potential capital appreciation as Malaysia’s largest bank.