StashAway Simple · Malaysia · Verified 19 Oct 2026
BASE RATE
3.4% p.a.
MAX RATE (ALL TIERS)
0.15% p.a.
BALANCE CAP
No minimum, no maximum (RM1 or RM1,000,000 same rate)
■ BONUS TIER REQUIREMENTS
Salary credit NOT REQUIRED
Card spend NOT REQUIRED
Bill payments (JomPAY / standing instruction) NOT REQUIRED
Insurance / investments via bank NOT REQUIRED
PIDM insured NO — NOT A BANK DEPOSIT
Minimum balanceRM1 (no minimum balance to earn projected rate)
Monthly fee0.15% p.a. management fee (net of fees rate quoted)
HOW THE RATE WORKS
Cash management portfolio (unit-trust wrapper, not a deposit): 80% Principal Islamic Money Market Fund + 20% AmIncome Fund. Projected rate 3.4% p.a. net of fees as of 19 Aug 2025 per page footnote (page headline advertises 3.55% p.a.); projected rate is not guaranteed and changes with market conditions. New investors get an extra 0.15% p.a. rate boost for 6 months. Historical annualised returns: Q3 2024 3.56%, Q4 2024 3.53%, Q1 2025 3.67%, Q2 2025 3.76% (net of fees). Not PIDM-protected (money market funds; trustee-segregated). Licensed by Securities Commission Malaysia (eCMSL/A0352/2018).
StashAway Malaysia official Simple page: 'Projected rate 3.4% p.a. (net of fees) ... As of 19 August 2025'; headline 'Earn a projected 3.55%* p.a. with Simple'; management fee 0.15% p.a.; underlying funds 80% Principal Islamic Money Market Fund / 20% AmIncome Fund; 'No minimum balance ... RM1 or RM1,000,000, it's all the same'; new-investor +0.15% boost for 6 months; quarterly returns table. PIDM status: not a PIDM member (unit trust wrapper; no PIDM claim on page).
Verified 19 Oct 2026. Rates change — always confirm on the official site.