dunno wor, for me personally, i just keep there only and try to maximize all the booster quests and stuff, can get 5%++. lazy to chase rates for 0.5% on other platforms..

as long u top up min 2k before aug. u get 4.2% even for new top up. baseline is 2k

Now 3.3% only, wth?

go others that gives higher rate lo

was 3.3% for July 2025, which is around the market rate, it outperformed peers slightly in May and June


if outperformed by significant margin, should be concern about the risk involved

This post has been edited by 1mr3tard3d: Aug 8 2025, 10:33 AM

Versa Cash return 3.79% pa (data 7.5.25 to 24.7.25 )


Data for maths savvy guys

7.5.25 Deposit RM49k @1.2346 = 39688.97ii
13.5. deposit RM35k @1.2354 = 28330.90 ii Total units 68019.87ii

29.5.25 Reinvestment 137.71 ii
26.6.25 RI units = 137.83 ii Total units 68295.41 Value RM84426.79

8.7.25 Quest Aútodebit RM1200 @1.2375 = 969.7 ii = Total units 69265.11 Value RM85715.57

10.7.25 Quest 0.1% RM0.82 = 0.66 ii

24.7.25 RI units =139.97ii Total 69405.74ii RM85861.84
Cost RM85200 --->Profit RM661.84

Calculation
49k 7.5-13.5 = 6D
84k 13.5-8.7 =56D
85.2k 8.7-24.7 =16D
average cost RM81615.38 in 78D

return pa =(661.84/81615.38)x 100% x(365/78) =3.79%


24.7.25 Sell RM19966.10 @ 1.2371 , minus 16139.44ii, Balance units 53266.30ii Value RM65895.74

25.7.25 Quest 2% RM241.64 @ 1.2372 = 195.31ii
25.7.25 Quest 0,3% RM4.52 = 3.65 ii Total units 53465.26ii Value RM66147.22

31.7.25 Sell RM40012.92 @1.2377, minus 32328.45 ii, Balance Units 21136.81ii Value RM26161.03


With the Quest Bonuses in, return rate should be higher,
any one can try calculate?

1mr3tard3d bro can help out?

For those of us wondering, if we had made Cash Out on 30 June, which amount was completed and credited to our bank account on 1 July, whether the Cash Out is included in the 30 June Baseline for the purpose of the 4.2% FD Quest, I called Versa CS, who confirmed that the Cash Out on 30 June is NOT included in the Baseline.

without quest bonus: 3.69% (daily compound) 3.71% (simple)
with bonus: 5% (daily compound) 5.03% (simple)

Thanks bro it is good to know return upto 5%!

Need to take some time to digest those numbers..
especially my thinking on this issue..

half way withdrawal would falsely make the return
higher since that would lower the capital...the base if smaller sure return falsely elevated


or that has been considered by the formula ...thus my suspicion is incorrect....
Edit
Ok formula has taken that into account

But my manual calculated return 3.79 % so far from your 3.7%......wondering where is the fault....I exclude that bonus RM0.82 still is 3.79%.....any sharp eyes can detect where is the fault?......

This post has been edited by guy3288: Aug 8 2025, 11:25 AM

Guys any thoughts on the new bond fund? should i move from MMF to this? both low risk right

Not worth it, return 5.03 % not fixed , risk getting less than 5.03% with
hope only of getting more...

Real bonds better, return 6-7% fixed.

This post has been edited by guy3288: Aug 19 2025, 10:46 AM

There is also a management fee @ 1%...

Ya but their management fee edi included in the rates shown. meaning rates shown is nett of fees. But bonds im not so sure lah, i invest their versa sgd not bad returns.

on a side note, anyone saw they were listed on forbes hottest start ups? Dunno why cant put link here.

For the 4.2%* p.a. Fixed Rate Quest, do we actually can see our portfolio total value increase by 4.2%, like now? or have to wait till campaign ended, then only Versa will credit the diff amount to round up the return to 4.2%?

Cause my total portfolio value as of Sept, is kind of falling short of the promised 4.2%. is more like 2.7%~3% range.

4.2% only will credit after 6 month

Versa Malaysia Bond - said annualised 3Y 5%.

Management and Trustee 1.08%.

So is that means effective = 5-1.08=3.92% per annum?

I dont understand this Versa whether the Published Return % is after deduction of fee or before …

This post has been edited by p4n6: Sep 4 2025, 06:45 AM

the management and trust fee are deducted in the NAV daily. The annualised 3Y return is after the deduction of all fees.

Versa cash Vs Stashaway simple? What's the conclusion on which is better

Versa cash is better, especially if you join their Quest.

Stashaway is notoriously slow for deposit and withdrawal.

all the Quest bonus i completed in Aug, totalled 1.6%

autodebit 5.8.25 1% on 10k,
AHAM 0.1%,
Lexus survey 0.1%,
Peugeout 0.1% Prudential 0,3%

i saw them under Quest 1.6% last month
now all become 0% since?, but no credits received


check your Aug Quest Bonus, are they all become 0% also?