The Fernshore Index
The factors retirees look at first.
Each grade is against a published measure, with its source and the date we checked it. It is research information, not advice. Where we have no figure, the row says Unknown.
Retirement
50 of 100Mixed
Mixed: the MM2H Silver pass runs five years and is renewable, but needs a fixed deposit of about US$150,000, over the US$100,000 line; the page names no path to permanent residence. To be safe, have more than US$160,000.
Source: MM2H Silver category. Checked 15 October 2026.
Healthcare
67 of 100Strong
WHO UHC service coverage index 80 (2023), on the strong anchor.
Source: UHC service coverage index (SDG 3.8.1). Checked 15 October 2026.
Cost of living
92 of 100Strong
Price level 0.316 of United States prices (2025).
Source: Price level index (GDP), Malaysia. Checked 15 October 2026.
Safety
73 of 100Strong
Global Peace Index 2026: 12th of 163.
Source: Global Peace Index 2026, overall rank. Checked 15 October 2026.
Community
65 of 100Mixed
Expat Insider 2026 Ease of Settling In: 13th of 31.
Source: Expat Insider 2026: Ease of Settling In. Checked 15 October 2026.
Climate
0 of 100Weak
Kuala Lumpur, the main city (Subang station): 0 comfortable months a year; every month has an average daily high above 30 °C.
Source: Climate normals 1991–2020, Subang (WMO 48647). Checked 15 October 2026.
Visa, United States passport
50 of 100Mixed
Mixed: a stay of a year or more is open without a Malaysian job offer (DE Rantau Nomad Pass: 3 to 12 months, renewable once for 12 more, 24 at most), the main holder must be over 18, and there is no deposit or investment. The income test is above US$60,000 a year for most roles (above US$24,000 for tech roles), so the about US$60,000 limit for a strong grade is not met for non-tech work. To be safe, have more than US$61,000. US citizens are not on the immigration list of countries that need no visa for any purpose, so a visa with reference may be needed to re-enter for the pass endorsement.
Source: DE Rantau Nomad Pass FAQ, version 10.0 (28 August 2026); Visa requirements by country (Keperluan Visa Mengikut Negara). Checked 15 October 2026.
Visa, Canada passport
50 of 100Mixed
Mixed: a stay of a year or more is open without a Malaysian job offer (DE Rantau Nomad Pass: 3 to 12 months, renewable once for 12 more, 24 at most), the main holder must be over 18, and there is no deposit or investment. The income test is above US$60,000 a year for most roles (above US$24,000 for tech roles), so the about US$60,000 limit for a strong grade is not met for non-tech work. To be safe, have more than US$61,000. Canada is on the immigration list of countries that need no visa for any purpose.
Source: DE Rantau Nomad Pass FAQ, version 10.0 (28 August 2026); Visa requirements by country (Keperluan Visa Mengikut Negara). Checked 15 October 2026.
Visa, Australia passport
50 of 100Mixed
Mixed: a stay of a year or more is open without a Malaysian job offer (DE Rantau Nomad Pass: 3 to 12 months, renewable once for 12 more, 24 at most), the main holder must be over 18, and there is no deposit or investment. The income test is above US$60,000 a year for most roles (above US$24,000 for tech roles), so the about US$60,000 limit for a strong grade is not met for non-tech work. To be safe, have more than US$61,000. Australia is on the immigration list of countries that need no visa for any purpose.
Source: DE Rantau Nomad Pass FAQ, version 10.0 (28 August 2026); Visa requirements by country (Keperluan Visa Mengikut Negara). Checked 15 October 2026.
Visa, New Zealand passport
50 of 100Mixed
Mixed: a stay of a year or more is open without a Malaysian job offer (DE Rantau Nomad Pass: 3 to 12 months, renewable once for 12 more, 24 at most), the main holder must be over 18, and there is no deposit or investment. The income test is above US$60,000 a year for most roles (above US$24,000 for tech roles), so the about US$60,000 limit for a strong grade is not met for non-tech work. To be safe, have more than US$61,000. New Zealand is on the immigration list of countries that need no visa for any purpose.
Source: DE Rantau Nomad Pass FAQ, version 10.0 (28 August 2026); Visa requirements by country (Keperluan Visa Mengikut Negara). Checked 15 October 2026.
The country
The rest of the research on Malaysia.
The country page grades every factor, with its sources.
MalaysiaQuestions from retirees about Malaysia.
What does the MM2H retirement route ask for, and what does it allow?
MM2H Silver, Gold and Platinum need fixed deposits; to be safe, hold more than US$160,000, US$510,000 or US$1.1 million. Silver's pass lasts five years and renews for RM 1,500. Buying a home is compulsory, and Silver allows no career work.
Do MM2H participants have to spend a minimum time in Malaysia, and is there an age limit?
The Silver page asks for 90 days a year in Malaysia. The guidelines page says applicants must be 25 or over and states the 90 days for participants below 50, but gives no rule for older ones. Ask the ministry which applies to your age.
How would healthcare work for a retiree in Malaysia?
The WHO service coverage index for Malaysia is 80 of 100 (2023). Canada says good care is mainly in major cities, with payment due at the time of service. A newspaper reports public hospitals charge non-citizens more: RM 120 for a specialist outpatient visit, against RM 1 to RM 5. Private cover prices are unknown.
Is Malaysia affordable and safe for retirees?
Prices overall are about 0.32 of United States prices at market exchange rates (World Bank, 2025), a national average, not a budget. The Global Peace Index 2026 ranks Malaysia 12th of 163, a country-level score. Adverts in Kuala Lumpur asked RM 2,200 to RM 2,980 a month for studios and one-bedroom flats.
Is foreign income, such as a pension, taxed in Malaysia?
MM2H says participants get a tax exemption on foreign funds or income, such as their fixed deposit. For residents, an LHDN guideline exempts foreign income brought in, with conditions, for 2022 to 2026; the extension to 2036 rests on a Bloomberg Tax report. Whether a pension counts is not covered.
Sources
Where each figure comes from.
Every figure on this page links to the page we read, with the date we checked it.
- [R1] MM2H Silver category, Ministry of Tourism, Arts and Culture (MOTAC), MM2H portal. Checked 15 October 2026. Page last updated 10/02/2026. Fixed deposit US$150,000 in a Malaysian bank; five-year pass with multiple entry, renewable every five years (renewal fee RM 1,500); no minimum age stated for the main applicant; no mention of permanent residence.
- [H1] UHC service coverage index (SDG 3.8.1), World Health Organization. Checked 15 October 2026. Malaysia: 80 out of 100 (2023), read from the WHO GHO API (UHC_INDEX_REPORTED) on 15 October 2026.
- [C1] Price level index (GDP), Malaysia, World Bank. Checked 15 October 2026. 2025: 31.63 (United States = 100), read from the World Bank API on 15 October 2026.
- [S1] Global Peace Index 2026, overall rank, Institute for Economics and Peace. Checked 15 October 2026. Malaysia ranks 12th of 163 countries (score 1.513).
- [Q1] Expat Insider 2026: Ease of Settling In, InterNations (Expat Insider survey, private). Checked 15 October 2026. Malaysia ranks 13th of 31 countries.
- [W1] Climate normals 1991–2020, Subang (WMO 48647), MetMalaysia (WMO Climate Normals 1991–2020 via NOAA NCEI). Checked 15 October 2026. Subang, the station used for Kuala Lumpur, the main city for Malaysia's climate grade. Monthly mean daily highs 32.0 to 33.7 °C; rain 145.8 to 355.8 mm a month, so 0 comfortable months. The station is at Subang airport in Selangor, west of the city centre.
- [K1] DE Rantau Nomad Pass FAQ, version 10.0 (28 August 2026), Malaysia Digital Economy Corporation (MDEC). Checked 15 October 2026. Professional Visit Pass for remote workers and freelancers: 3 to 12 months, renewable once for 12 more (24 months at most); income above US$24,000 a year for tech roles and above US$60,000 for other roles; open to all nationalities except Israel; main holder over 18; stay only in Peninsular Malaysia and Labuan, not Sabah or Sarawak; most banks do not open accounts for pass holders.
- [V1] Visa requirements by country (Keperluan Visa Mengikut Negara), Immigration Department of Malaysia (Jabatan Imigresen Malaysia). Checked 15 October 2026. Page shows Australia, Canada and New Zealand among the countries that need no visa for any purpose of entry; the United States is not on that list, so a visa with reference (VDR) may be needed before re-entry for the pass endorsement. Page header dated 15 October 2026.