Versa vs ASNB (ASB) Malaysia 2026

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A daily-variable money market fund vs a once-a-year declared dividend unit trust. Different structures, different eligibility — here's how they compare.

Key Difference: Not the Same Structure

ASB (Amanah Saham Bumiputera) is restricted to Bumiputera investors and pays a dividend declared once a year. Versa Cash is open to all Malaysians and accrues a variable daily rate. Non-Bumiputera Malaysians looking for an ASNB-style fund should look at ASM (Amanah Saham Malaysia) instead, which has its own separate dividend rate.

Versa vs ASB 2026 — Full Comparison

Feature	Versa Cash	ASB (ASNB)
Eligibility	All Malaysians	Bumiputera only
Return structure	Variable, accrued daily	Dividend declared once a year
Latest declared rate	3.24–3.69% p.a. (indicative, variable)	5.75 sen/unit for FY2025
Unit price	Fluctuates with fund NAV	Fixed at RM1.00
Minimum investment	RM10	RM1
Withdrawal	Anytime	Anytime
PIDM protected	No	No

ASB dividend: 5.75 sen/unit declared for FY2025 (source: ASNB). Versa Cash rate as of July 2026. Not guaranteed — variable and subject to change. Past performance is not indicative of future performance.

💰 Versa — Free RM10SC regulated · Code CALMY

RM10,000 Idle Cash Earns ~RM324–369/Year — No Lock-In

Illustrative 1-Year Return (Indicative Rate)

Deposit	Return (3.24–3.69% p.a.)
RM1,000	RM32–37
RM5,000	RM162–185
RM10,000	RM324–369

🔓No lock-in — withdraw anytime
🏦SC-licensed money market fund, min RM10
📋PRS option available — up to RM3,000/year tax relief

Get Free RM10 — Sign Up with Code CALMY →

Rate is variable, not guaranteed. Past performance is not indicative of future performance. Not reviewed by SC. Min RM10 · T&Cs apply.

Dividen ~5.75% · Jamin Kerajaan

🏆 Kempen Pandu Impianmu 2.0

Labur RM500 — Peluang Menang BMW 320i M Sport

Setiap RM500 dilaburkan = 1 tiket cabutan. Labur via app myASNB = 2× tiket. Guna kod GENLABUR semasa melabur.

Cabutan	Hadiah Utama
Draw 1 (kini–Sep 2026)	Proton e.Mas 7 PHEV + 3x Bezza 1.3X
Grand Draw (kini–Mac 2027)	BMW 320i M Sport + 3x Bezza 1.3X

Dan jangan lupa — simpanan anda membesar:

Simpan/bln	10 thn	20 thn	30 thn
RM500	RM80k	RM224k	RM479k
RM1,000	RM161k	RM449k	RM959k
RM1,044	RM168k	RM469k	RM1.0M

✅Modal 100% terjamin kerajaan — tiada risiko kehilangan
📈Dividen ~5.75%/tahun — lebih tinggi daripada FD kebanyakan bank
🎁RM10 bonus terus masuk bila melabur RM100 pertama (kod ZP3HXD)

Kod rujukan ZP3HXD disalin automatik apabila klik — taip semasa daftar untuk RM10. Guna kod kempen GENLABUR semasa melabur untuk 2× tiket.

*Unjuran berdasarkan dividen ~5.75% p.a. Dividen tidak dijamin tetapi konsisten sejak 2012. Kempen Pandu Impianmu 2.0 hingga Mac 2027.

FAQ — Versa vs ASNB (ASB) Malaysia

Can anyone open a Versa account, unlike ASB?

Yes. Versa Cash is open to any Malaysian resident. ASB (Amanah Saham Bumiputera) is restricted to Bumiputera investors only — non-Bumiputera Malaysians instead use ASM (Amanah Saham Malaysia), which is a separate fund with its own dividend rate.

How does ASB's dividend compare to Versa Cash's rate?

They're structured differently and not directly comparable on a like-for-like basis. ASB declared a dividend of 5.75 sen per unit for the full year 2025 (paid once annually, on a RM1.00 fixed unit price). Versa Cash accrues returns daily at a variable rate of approximately 3.24–3.69% p.a., which can be withdrawn anytime. ASB's dividend is declared once a year in arrears; Versa's rate moves continuously with money market conditions.

Is my capital guaranteed in ASB or Versa Cash?

ASB's unit price is fixed at RM1.00 and has never fallen since inception, with a track record of government support during past shortfalls — though this is not a formal government guarantee for all scenarios. Versa Cash's unit price can fluctuate slightly with money market conditions, and returns are explicitly not guaranteed. Neither is protected by PIDM.

Can I withdraw from ASB anytime, like Versa Cash?

Yes, both allow withdrawal at any time with no lock-in period. The key difference is what you receive: ASB pays annual dividends declared once a year (plus any bonus), while Versa Cash's daily-accrued balance is available to withdraw at the current unit value at any time.

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Code CALMY — RM10 sign-up bonus for new users

Key Difference: Not the Same Structure

Versa vs ASB 2026 — Full Comparison

RM10,000 Idle Cash Earns ~RM324–369/Year — No Lock-In

Labur RM500 — Peluang Menang BMW 320i M Sport

FAQ — Versa vs ASNB (ASB) Malaysia

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