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Would you like RM192,000.00 in your bank account?

It’s rather easy to achieve this (and many people can achieve this, including you!).

You just need to save RM400 per month, for 40 years.

And if you’re in your 20s, that’s perfectly doable.

RM 400 x 12 months = RM 4800 per year

RM 4800 x 40 years = RM 192,000.

However, the sad part is that most people do not know this…

You can also get RM1.25 Mil… with the same RM400 per month.

By investing and gaining 8% returns yearly. 

Shocked? I know right…

RM192K and RM1.25 Mil, it’s a big difference.

That’s the biggest difference between just saving VS investing.

I hope I opened up your eyes to how your wealth will look like if you keep your money in the bank (0.05% interest per year) or under your pillow (0% interest) VS investing.

Take a look at this graph.

Fascinating, isn’t it? *Jaw drops

This is the wonder/superpower of compounding interest. 

Why the big difference?

What do the rich know that most people don’t?

It’s called compounding interest…

Compounding interest is the interest earned on the interest you received.

Time is the biggest deciding factor with compounding interest.

The only issue is, are you a naysayer?

Naysayers

Definitely, there will be people who will say things like:

1. 40 years? Can we even live till then?
2. 8%? This is peanuts.
3. Mil is too little…

Here’s my response to naysayer 1:

The fact that you state that we might not even live till 40 years shows that you don’t really plan for the future. 

Sorry but financial independence will be very hard for you.

Because if you don’t even plan for financial independence, it doesn’t really matter until what age you would live.

What if you live for 50 more years then? 

If you really want to be financially free, you have to start first with your mindset.

Response to naysayer 2: 

8% definitely is peanuts! My dad loves peanuts!

Try getting 8% consistently without failing every year 🙂

Fixed Deposit can give you a consistent 2% every year; while savings account can give you a consistent 0.05% every year too!

Crypto? Well, if your heart can take it, go for it.

Response to naysayer 3: 

You’re right, if you have RM1.25 Mil and you spend RM 2 Mil, you’re broke.

Money is never enough.

Greed is never enough.

What’s most important is to learn how to manage your finances wisely, and this can be done through earning, saving, investing, doing business, etc. 

I can afford to not be the greatest investor in the world, but I can’t afford to be a bad one. – Morgan Housel, The Psychology of Money

I’m not here to be the next billionaire, or to work 80 hours a week.

I’m here to live life to the fullest.

To experience the world and travel with my family/friends…

And I want to have that lifestyle by investing safely and securely.

And, I can’t afford to be a bad investor.

That is why I settle for 8% returns per year, through Funding Societies and real estate investment (which is honestly not bad at all).

Over a 40-year time horizon… I’ll take my returns any day of the week – with no stress at all.

Wanna join?

Read Next: How To Set Up Guaranteed Investment Bots with Funding Societies.

How I got RM5,000+ returns with Funding Societies within a year, safely.