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RM

Malaysian Ringgit

MYR · Malaysia

30
Moderate
Risk
Historical Scores
273236Jul 2021Jul 2025Aug 2026
What does this mean for you?

The Malaysian Ringgit is in decent shape overall, scoring 30 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies.

You only need about 2.9%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
1.4%
Debt / GDP
64.6%
GDP Growth
5.2%
FX Volatility
13.7
Governance
0.5
Reserves
4.5 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Economy is growing healthily
Banking system is in good shape
What to watch out for
No major concerns
Full Malaysia analysis →

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.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how MYR ranks differently.
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