Earn a projected 3.55%* p.a. with Simple
Earn on any amount. No minimum, no maximum. Just a Simple way to grow your cash.
No restrictions on withdrawals or transfers
No lock-ins of your funds
New investors enjoy an extra 0.15% p.a. rate booster with Simple.
*The projected rate is not guaranteed and is 3.4% p.a. as of 19 August 2025. Ts&Cs apply.
We’re licensed by the Securities Commission Malaysia (Licence eCMSL/A0352/2018)
It's Simpler to grow your cash than you think.
Tired of navigating through the endless lists of criteria to earn a rate at a bank? We understand. That’s why we created Simple! To make the investing experience straightforward, and, well, Simple.
How you can use Simple
- Invest your emergency funds
- No investment, insurance, or salary requirements
- Prepare for upcoming expenses (your next holiday, wedding, and more)
- Set aside for investments
Simple in a nutshell
Projected rate
Management fee
Risk
Underlying funds
- 80% Principal Islamic Money Market Fund
- 20% AmIncome Fund
As of 19 August 2025 | Disclaimer
Markets can be volatile. Simple isn’t.
Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 |
|---|---|---|---|
3.56% | 3.53% | 3.67% | 3.76% |
Past performance is not indicative of future performance. Performance figures are net of fees. Last updated as of 30 June 2025.
Growing your cash should be Simple
StashAway Simple™ | Banks |
|---|---|
No minimum balance to earn the projected rate. RM1 or RM1,000,000, it’s all the same to us. | Require a minimum balance to earn the basic rate. |
No requirements to meet to earn the full projected rate. | Require investments, insurance, salary crediting, and more to unlock the full rate. |
Where does your money go?
StashAway Simple™’s underlying funds
Principal Islamic Money Market Fund
80%
AmIncome Fund
20%
Special welcome offer: Boosted returns for new investors
Our new investors enjoy extra 0.15% on all deposits in our Simple portfolio. Terms and conditions apply.
Make money decisions with confidence
Here are some things to think about when deciding what to do with your cash.
![Malaysia Best Fixed Deposit Rates [Nov 2025]](/_next/image?url=https%3A%2F%2Fcms-assets.stashaway.com%2F202404_MY_Best_Deposit_Rate_Article_Thumbnail_Web_5d4731b124.jpg&w=1920&q=75)
Frequently Asked Questions
Why shouldn't I invest in these funds myself instead of having StashAway invest on my behalf?
Firstly, while investing through StashAway, you'll get easy of access to the fund, so you won't need to create a new account anywhere else. Secondly, we return all rebates from the fund back to you, so you're actually earning more. Most other platforms and fund managers don't do this. And finally, there's no minimum investment, no cap on the balance that can earn returns, no lock-ins, and no fees with Simple.
Do I need to invest with StashAway to have StashAway Simple™?
Nope! You can have just a StashAway Simple™ portfolio, if that's what works best for your financial plan.
How is StashAway Simple™ different from a fixed deposit account?
Unlike fixed deposit accounts that require a minimum lock-up period, you can withdraw from StashAway Simple™ at any time.
How risky is StashAway Simple™?
We designed StashAway Simple™ to be an ultra-low risk cash management portfolio. The underlying funds in StashAway Simple, the Principal Islamic Money Market Fund and AmIncome Fund invest in a combination of fixed deposits and short term bonds.
Can the projected rate change?
Yes. Depending on economic conditions, StashAway Simple™'s projected rate may change, as its underlying fund is affected by Malaysia's economic health and trajectory. Though, when applicable, our system will re-optimise your StashAway Simple™ portfolio to maintain the highest possible projected rate within a given economic environment. The risk level to which your money is exposed will remain the same within StashAway Simple™.