You may want to ignore this post if you do not interest in Malaysia rates for Fixed Deposit (FD), Savings, Inflation and Employee Provident Fund (EPF).
If case you have not heard about EPF, EPF is something similar to CPF in Singapore and 401(K) plan in U.S.
The chart and raw data below shows the FD, savings, inflation and EPF rates in Malaysia from 1996 to 2007.
|Year||FD (%)||Savings (%)||Inflation (%)||EPF (%)|
As usual, EPF has the highest interest rate, follow by Fixed Deposit (FD) and savings. Except in 1997 where the FD has higher interest rate than EPF. As you can see from the graph, both EPF and FD outpace the inflation but not in savings. Therefore all my emergency funds are put in FD rather than in savings.
The tricky part of this data is all these rates here are accurate except for the inflation rate. As what Michael said in my post previous - How can I get most updated inflation rate:
"National reported inflation rate is for "Everybody", and I am NOT Everybody."The inflation rate shown here is national inflation rate and it is definitely not accurate for you because everyone of us have different inflation rate depending on your spending. That's why you see a lot of people have 10% raise but they don't' save 10% more. Why? This is probably their personal inflation rate increases too. Once you have your personal inflation rate, I bet the FD won't be able to outpace the inflation rate as like the data shown above.
Hope this data is something useful to you. You can also look at inflation rate in other countries here if you're interested.