ASW2020, ASM & AS1M Dividend 1997 - 2020

Amanah Saham Wawasan 2020, Amanah Saham Malaysia and Amanah Saham 1Malaysia Dividend Rate

Amanah Saham Malaysia (ASM) fund was launched on the 20th of April 2000. ASM is an equity income fund with fixed-price at RM1.00 per unit. The fund is open to all Malaysian including Bumi and non-Bumi. The fund objective is to provide unitholders with a long-term investment opportunity that generates regular and competitive returns through a diversified portfolio of investments

The table below is the historical Amanah Saham Wawasan 2020 (ASW2020), Amanah Saham Malaysia (ASM) and Amanah Saham 1Malaysia (AS1M) Dividend Rate from 1996 to 2020.

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Malaysia Fixed Deposit (FD) Rates – SEP 2020

Fixed Deposit (FD) Rates as of September 2020

 

Bank	Effective Rate (% p.a.)	Minimum Deposit	Maximum Deposit	Tenure	Promotion Period
Affin Bank  (eFD Online Promotion)	2.40 (3 months) 2.50 (5 months) 2.48 (6 months)	RM10,000	RM200,000	3 months 5 months 6 months	28 Aug to 10 Sept 2020
Hong Leong Bank (eFixed Deposit /  Deposit-i	2.30	RM5,000	RM2 million	3 months	1 Sept to 31 Oct 2020
OCBC Bank (Premier Deal)	2.90	RM10,000	RM3 million	3 months	1 Apr to 31 Dec 2020
Public Bank (Fixed Deposit / Term Deposit-i)	2.08 (3 months) 2.28 (8 months)	RM10,000	RM10 million	3 months 8 months	12 Aug to 31 Oct 2020
Public Bank (eFD via FPX Campaign)	2.00 (1 month) 2.10 (2 months) 2.20 (3 months)	RM5,000	RM2 million	1 month 2 months 3 months	20 July to 30 Sept 2020
RHB Bank (Term Deposit - Counter / eTerm Deposit via FPX)	2.45	RM10,000	Maximum FPX Transfers	6 months	5 Aug to 30 Sept 2020

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Bank Average Fixed Deposit Rates Since Year 1980

This is the average of the fixed deposit rate in Malaysia from the period of 1980 till 2009.

Period (in months)
Average Fixed Deposit Rates	1	3	6	9	12
1980	6.13	6.23	6.54	6.79	7.50
1981	9.46	9.68	9.67	9.73	9.94
1982	8.92	9.75	9.94	10.03	10.48
1983	7.50	8.02	8.29	8.38	8.75
1984	9.17	9.50	9.50	9.53	9.62
1985	8.45	8.81	9.04	9.25	9.29
1986	7.04	7.08	7.17	7.42	7.42
1987	2.56	3.00	3.97	4.31	4.50
1988	2.72	3.29	3.57	3.83	4.24
1989	4.47	4.56	4.77	4.98	5.20
1990	5.55	5.72	6.00	6.01	6.21
1991	6.94	7.11	7.27	7.35	7.48
1992	7.85	7.94	7.97	7.98	8.03
1993	7.01	7.03	6.98	6.96	6.95
1994	4.74	4.89	5.09	5.24	5.46
1995	5.79	5.93	6.14	6.28	6.50
1996	7.02	7.09	7.12	7.14	7.18
1997	7.73	7.78	7.80	7.81	7.83
1998	8.40	8.51	8.54	8.53	8.56
1999	4.10	4.12	4.16	4.21	4.29
2000	3.31	3.36	3.44	3.62	4.06
2001	3.36	3.37	3.40	3.53	4.16
2002	3.20	3.21	3.22	3.31	4.00
2003	3.07	3.07	3.08	3.12	3.80
2004	3.00	3.00	3.00	3.01	3.70
2005	3.00	3.00	3.00	3.01	3.70
2006	3.09	3.15	3.26	3.35	3.74
2007	3.09	3.16	3.31	3.41	3.71
2008	3.07	3.13	3.26	3.33	3.68

This is the monthly breakdown the fixed deposit rate in Malaysia from the period of 1997 till 2009.

Period (in months)
Average Fixed Deposit Rates	1	3	6	9	12
1997	7.16	7.22	7.24	7.24	7.26
	7.14	7.22	7.23	7.23	7.25
	7.20	7.24	7.24	7.24	7.25
	7.20	7.25	7.24	7.25	7.26
	7.30	7.30	7.28	7.28	7.30
	7.54	7.43	7.37	7.36	7.38
	8.05	7.73	7.56	7.52	7.52
	7.46	7.54	7.56	7.56	7.56
	7.59	7.69	7.74	7.75	7.79
	8.39	8.56	8.71	8.74	8.77
	8.92	9.08	9.18	9.23	9.26
	8.81	9.06	9.21	9.27	9.33
1998	8.86	9.09	9.25	9.30	9.36
	9.25	9.46	9.57	9.62	9.67
	9.56	9.79	9.84	9.84	9.90
	9.65	9.89	9.99	9.97	10.03
	9.79	10.00	10.10	10.07	10.14
	10.04	10.19	10.21	10.18	10.24
	10.14	10.27	10.28	10.24	10.28
	9.54	9.50	9.51	9.45	9.46
	6.19	6.17	6.13	6.12	6.13
	6.09	6.09	6.04	6.01	6.02
	5.87	5.88	5.80	5.78	5.79
	5.82	5.83	5.76	5.74	5.74
1999	5.72	5.72	5.67	5.66	5.66
	5.58	5.59	5.54	5.53	5.54
	5.39	5.44	5.42	5.40	5.40
	3.99	4.00	4.04	4.05	4.06
	3.75	3.75	3.77	3.78	3.80
	3.75	3.75	3.76	3.78	3.80
	3.75	3.75	3.76	3.78	3.79
	3.75	3.75	3.76	3.77	3.79
	3.75	3.75	3.76	3.77	3.79
	3.24	3.33	3.47	3.67	3.93
	3.24	3.33	3.46	3.67	3.93
	3.24	3.33	3.47	3.68	3.95
2000	3.23	3.31	3.44	3.65	3.94
	3.22	3.29	3.39	3.58	3.94
	3.22	3.28	3.37	3.55	3.91
	3.21	3.26	3.34	3.52	3.91
	3.21	3.26	3.33	3.51	3.91
	3.20	3.26	3.33	3.50	3.91
	3.20	3.26	3.33	3.51	3.90
	3.45	3.49	3.55	3.75	4.25
	3.45	3.49	3.55	3.75	4.25
	3.45	3.49	3.55	3.74	4.25
	3.45	3.48	3.54	3.73	4.25
	3.45	3.48	3.50	3.70	4.24
2001	3.44	3.47	3.52	3.69	4.24
	3.44	3.47	3.52	3.67	4.24
	3.44	3.46	3.50	3.63	4.24
	3.44	3.45	3.49	3.62	4.24
	3.44	3.45	3.48	3.61	4.24
	3.44	3.45	3.48	3.61	4.24
	3.44	3.45	3.48	3.61	4.24
	3.44	3.45	3.48	3.60	4.24
	3.20	3.21	3.23	3.34	4.00
	3.20	3.21	3.22	3.35	4.00
	3.20	3.21	3.22	3.34	4.00
	3.20	3.21	3.22	3.34	4.00
2002	3.20	3.21	3.22	3.34	4.00
	3.20	3.21	3.22	3.32	4.00
	3.20	3.21	3.22	3.32	4.00
	3.20	3.21	3.22	3.32	4.00
	3.20	3.21	3.22	3.31	4.00
	3.20	3.21	3.22	3.31	4.00
	3.20	3.20	3.22	3.31	4.00
	3.20	3.20	3.22	3.30	4.00
	3.20	3.20	3.22	3.30	4.00
	3.20	3.20	3.22	3.30	4.00
	3.20	3.20	3.22	3.30	4.00
	3.20	3.20	3.21	3.28	4.00
2003	3.20	3.20	3.21	3.28	4.00
	3.20	3.20	3.21	3.28	4.00
	3.20	3.20	3.21	3.28	4.00
	3.20	3.20	3.21	3.28	4.00
	3.00	3.00	3.01	3.04	3.69
	3.00	3.00	3.01	3.04	3.70
	3.00	3.00	3.01	3.04	3.70
	3.00	3.00	3.01	3.04	3.70
	3.00	3.00	3.01	3.04	3.70
	3.00	3.00	3.01	3.04	3.70
	3.00	3.00	3.01	3.03	3.70
	3.00	3.00	3.01	3.03	3.70
2004	3.00	3.00	3.01	3.03	3.70
	3.00	3.00	3.01	3.03	3.70
	3.00	3.00	3.00	3.02	3.70
	3.00	3.00	3.00	3.02	3.70
	3.00	3.00	3.00	3.01	3.70
	3.00	3.00	3.00	3.01	3.70
	3.00	3.00	3.00	3.01	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
2005	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.00	3.00	3.00	3.00	3.70
	3.01	3.02	3.04	3.08	3.70
2006	3.00	3.03	3.05	3.09	3.70
	3.02	3.04	3.07	3.11	3.70
	3.03	3.06	3.11	3.16	3.70
	3.06	3.12	3.21	3.31	3.73
	3.11	3.17	3.31	3.44	3.76
	3.11	3.18	3.32	3.45	3.77
	3.12	3.19	3.34	3.48	3.78
	3.12	3.19	3.34	3.48	3.77
	3.13	3.21	3.36	3.49	3.77
	3.13	3.21	3.36	3.49	3.76
	3.11	3.20	3.35	3.47	3.75
	3.11	3.19	3.34	3.46	3.73
2007	3.08	3.15	3.34	3.45	3.72
	3.11	3.19	3.34	3.45	3.71
	3.10	3.18	3.34	3.45	3.71
	3.10	3.18	3.33	3.43	3.71
	3.10	3.18	3.32	3.42	3.71
	3.09	3.17	3.32	3.42	3.71
	3.08	3.15	3.29	3.38	3.70
	3.08	3.15	3.29	3.38	3.70
	3.08	3.15	3.29	3.38	3.70
	3.08	3.15	3.29	3.38	3.70
	3.08	3.15	3.29	3.38	3.70
	3.08	3.15	3.29	3.38	3.70
2008	3.08	3.15	3.29	3.38	3.70
	3.08	3.14	3.28	3.37	3.70
	3.08	3.14	3.28	3.37	3.70
	3.08	3.14	3.28	3.37	3.70
	3.08	3.14	3.28	3.36	3.70
	3.08	3.14	3.28	3.36	3.70
	3.08	3.14	3.28	3.36	3.70
	3.08	3.14	3.28	3.36	3.70
	3.08	3.14	3.28	3.36	3.70
	3.08	3.14	3.28	3.36	3.70
	3.03	3.06	3.16	3.22	3.60
	3.01	3.04	3.11	3.14	3.50
2009	2.54	2.54	2.56	2.57	3.02
	2.05	2.07	2.07	2.08	2.55
	2.00	2.10	2.10	2.10	2.50
	2.00	2.10	2.10	2.10	2.50
	2.00	2.10	2.10	2.10	2.50

The highest one year fixed deposit rate is 10.48% in the year 1982. The lowest fixed deposit rate should be year 2009 which is around 2.0% now. May be by knowing this fact, we can make a wiser decision making on our investment strategy.

What is in your mind after knowing that year 2009 fixed deposit rate is the lowest since year 1980 ?

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