{"id":71238,"date":"2026-09-22T17:00:16","date_gmt":"2026-09-22T09:00:16","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=71238"},"modified":"2026-09-22T13:49:56","modified_gmt":"2026-09-22T05:49:56","slug":"rm1000-a-month-10-years-investment-comparison","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/zh\/rm1000-a-month-10-years-investment-comparison","title":{"rendered":"\u6bcf\u6708RM1,000\uff0c\u5341\u5e74\u540e\uff0c\u5728\u4e94\u4e2a\u5730\u65b9\u5404\u662f\u591a\u5c11"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"%E5%85%88%E7%AE%97%E6%95%B0\"><\/span>\u5148\u7b97\u6570<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u6bcf\u6708RM1,000\u4f9b\u5341\u5e74\uff0c\u672c\u91d1RM120,000\u3002\u5b83\u53d8\u6210\u591a\u5c11\uff0c\u53d6\u51b3\u4e8e\u590d\u5229\u7684\u5229\u7387\uff0c\u4ee5\u53ca\u6709\u591a\u5c11\u56de\u62a5\u88ab\u8d39\u7528\u548c\u5165\u8d26\u65f6\u95f4\u5403\u6389\u3002<\/p>\n<p>\u4ee5\u4e0b\u5168\u90e8\u7528<strong>\u5df2\u5ba3\u5e03\u7684\u5386\u53f2\u5229\u7387<\/strong>\u4f5c\u4e3a\u793a\u610f\uff0c\u4e0d\u662f\u9884\u6d4b\u3002\u5229\u7387\u4f1a\u53d8\uff0c\u6bd4\u8f83\u7684\u5f62\u72b6\u4e0d\u4f1a\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u53bb\u5904<\/th>\n<th>\u793a\u610f\u5229\u7387<\/th>\n<th>\u5341\u5e74\u540e<\/th>\n<th>\u4e09\u5341\u5e74\u540e<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5b9a\u5b58\uff08\u6bcf\u5e74\u7eed\u671f\uff09<\/td>\n<td>2.5%\uff0c\u7eed\u671f\u65f6\u5e38\u89c1\u768412\u4e2a\u6708\u724c\u4ef7\uff1b\u65b0\u8d44\u91d1\u67093.7%\u81f33.8%\u7684\u4fc3\u9500\u5229\u7387\uff0c\u4f46\u5341\u5e74\u4e0d\u80fd\u5047\u8bbe<\/td>\n<td>\u7ea6RM136,300<\/td>\n<td>\u7ea6RM531,000<\/td>\n<\/tr>\n<tr>\n<td>ASNB\u56fa\u5b9a\u4ef7\u683c\u57fa\u91d1<\/td>\n<td>5.75%\uff08ASB 2025\u8d22\u653f\u5e74\uff0c2026\u5e741\u67081\u65e5\u5165\u8d26\uff09<\/td>\n<td>\u7ea6RM160,000<\/td>\n<td>\u7ea6RM910,000<\/td>\n<\/tr>\n<tr>\n<td>EPF\u81ea\u613f\u7f34\u7eb3<\/td>\n<td>6.15%\uff082025\u5e74\u6d3e\u606f\uff0c2026\u5e742\u670828\u65e5\u5ba3\u5e03\uff09<\/td>\n<td>\u7ea6RM165,300<\/td>\n<td>\u7ea6RM1,040,000<\/td>\n<\/tr>\n<tr>\n<td>\u80a1\u7968\u5355\u4f4d\u4fe1\u6258\uff08\u6263\u8d39\u540e\uff09<\/td>\n<td>6.5%\uff0c\u6263\u96641.5%\u8d39\u7528\u540e<\/td>\n<td>\u7ea6RM168,600<\/td>\n<td>\u7ea6RM1,114,000<\/td>\n<\/tr>\n<tr>\n<td>\u4f4e\u6210\u672c\u6307\u6570ETF\uff08\u6263\u8d39\u540e\uff09<\/td>\n<td>7.5%\uff0c\u6263\u96640.3%\u8d39\u7528\u540e<\/td>\n<td>\u7ea6RM178,600<\/td>\n<td>\u7ea6RM1,339,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u793a\u610f\u3002\u6bcf\u6708\u4f9b\u6b3e\uff0c\u6309\u5e74\u590d\u5229\uff0c\u4e0d\u8ba1\u7a0e\uff0c\u5229\u7387\u4e0d\u53d8\u3002\u5b9e\u9645\u56de\u62a5\u6709\u6ce2\u52a8\uff0c\u8fc7\u53bb\u7684\u6d3e\u606f\u4e0d\u9884\u793a\u672a\u6765\u30022026\u5e749\u6708\u5b9a\u5b58\u7eed\u671f\u724c\u4ef7\u7ea62.0%\u81f32.5%\uff0c\u7f51\u4e0a\u65b0\u8d44\u91d1\u4fc3\u9500\u5229\u73873.7%\u81f33.8%\uff08CIMB 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id=\"%E9%82%A3%E4%B9%88%EF%BC%8C%E9%80%89%E5%93%AA%E4%B8%AA\"><\/span>\u90a3\u4e48\uff0c\u9009\u54ea\u4e2a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u6ca1\u6709\u5355\u4e00\u7b54\u6848\uff0c\u7ed9\u4f60\u5355\u4e00\u7b54\u6848\u7684\u4eba\u662f\u5728\u5356\u4e1c\u897f\u3002\u4f46\u5408\u7406\u7b54\u6848\u7684\u5f62\u72b6\u662f\uff1a<\/p>\n<ul>\n<li><strong>\u77ed\u671f\u6216\u53ef\u80fd\u8981\u7528\u7684\u94b1<\/strong>\uff1a\u5b9a\u5b58\u6216\u7a33\u5065\u57fa\u91d1\u3002\u4fdd\u672c\u503c\u5f97\u8f83\u4f4e\u7684\u5229\u7387\u3002<\/li>\n<li><strong>\u771f\u6b63\u51e0\u5341\u5e74\u4e0d\u52a8\u7684\u957f\u671f\u94b1<\/strong>\uff1a\u589e\u957f\u4e00\u7aef\uff0c\u8d39\u7528\u538b\u4f4e\u3002<\/li>\n<li><strong>\u8d44\u683c<\/strong>\u51b3\u5b9a\u4e00\u90e8\u5206\uff1aASNB\u56fa\u5b9a\u4ef7\u683c\u57fa\u91d1\u6709\u4e0a\u9650\u548c\u8eab\u4efd\u9650\u5236\uff0c\u5bf9\u534e\u88d4\u6295\u8d44\u8005\u5f00\u653e\u7684\u662fASM\u7cfb\u5217\uff0c\u914d\u989d\u6709\u9650\uff1bEPF\u81ea\u613f\u7f34\u7eb3\u6bcf\u5e74\u4e0a\u9650RM100,000\u3002\u4f5c\u4e3a\u53c2\u7167\uff0cEPF\u572855\u5c81\u7684\u57fa\u672c\u50a8\u84c4\u57fa\u51c6\u662fRM240,000\uff0c2025\u5e74\u5e9555\u5c81\u53ca\u4ee5\u4e0b\u7684\u6d3b\u8dc3\u4f1a\u5458\u4e2d\uff0c\u4ec5\u7565\u8d85\u56db\u6210\u8fbe\u5230\u3002<\/li>\n<\/ul>\n<p>\u5bf9\u8bb8\u591a\u4eba\uff0c\u5b9e\u9645\u7b54\u6848\u662f\u4e24\u4e2a\u53bb\u5904\u800c\u4e0d\u662f\u4e00\u4e2a\uff0c\u968f\u7740\u671f\u9650\u62c9\u957f\uff0c\u6bd4\u91cd\u5f80\u589e\u957f\u7aef\u79fb\u3002<\/p>\n<h2><span 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