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Malaysia

Malaysian Ringgit (MYR)

29
Moderate
Risk
#125
of 171
Safer
than 27% of currencies
36
global avg score
$934
$1,000 in 5 years
Impact on Citizens

Citizens need modest returns of 2.9% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓

Economic Indicators

Inflation Rate
1.4%
Debt to GDP
64.6%
GDP Growth
5.2%
Broad Money / GDP
120.6%

Banking & Stability

NPL Ratio
1.4%
Reserve Months
4.5
Current Account
1.7%
FX Volatility
7.0

Governance & Markets

Rule of Law
0.5
Black Market Premium
Not available
Capital Controls
11.5
Peg Fragility
Not available

Currency Structure

Global Currency Role
70.0
FX Regime
managed float
Data Coverage
83.0%

Savings Impact Calculator

RM
Holding cash in MYR1.4% inflation
RM934−RM66 (7% purchasing power lost)
Your RM1,000 buys 7% less in 5 years
What if you invested RM1,000 instead? (5yr, in MYR terms)
Hold USD Cash
RM859
−RM141
-3.0%/yr net in MYR
S&P 500
RM1611
+RM611
range: RM734–RM3176
10% USD return + 0.0% FX · ±16% vol
Gold
RM1469
+RM469
range: RM418–RM4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
RM3052
+RM2052
range: RM180–RM18.4k
25% USD return + 0.0% FX · ±54% vol

All values in MYR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Malaysia (1.4%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Data last updated: 2026-10-02

Note: World Bank does not cover this country directly. Data sourced from national statistics and IMF estimates.

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