Conversation Guide Tool  ·  Goal Planner
Tool · Goal Planner

From goal to monthly plan.

Map a target amount and time horizon to the required monthly investment, given an expected return.

Your goal

Plan

Monthly investment needed
RM 1,925
Total contributed
RM 462,000
Growth from returns
RM 538,000
Final value
RM 1,000,000
Section01Sensitivity

What if the return assumption changes?

The same target requires very different monthly investments depending on the assumed annual return.

Return assumptionMonthly requiredTotal contributedGrowth
Section02Where to invest

Which vehicle for which return assumption.

Conservative (3–5%)

FD ladder.Simple, PIDM-protected, fully liquid on rolling maturity.
Range Accrual.Up to 5% p.a. with principal protection.
Inverse Floater Y1.6.90% Year 1 fixed; longer-term play.

Growth (6–10%)

Unit trust funds.Balanced or equity funds. Diversified, long-horizon.
Sharkfin.Equity upside with capital safety.
Index ETFs.Low-cost broad market exposure.

Indicative figures only. Returns are not guaranteed. Higher expected return implies higher risk. Investors should review their suitability profile before committing.

Conversation GuideTool · Goal Planner
Tool · Goal Planner

Goal-to-monthly plan.

Snapshot of the latest calculation on this page.

01.Inputs

  • Goal. Retirement
  • Target. RM 1,000,000
  • Horizon. 20 years
  • Expected return. 5.50% p.a.
  • Starting capital. RM 0

02.Plan

Monthly
RM 1,925
Required
Contributed
RM 462k
Total
Growth
RM 538k
From returns
Final
RM 1.0M
At maturity

03.Which vehicle

  • Conservative 3–5%. FD ladder, Range Accrual, Inverse Floater Y1.
  • Growth 6–10%. Unit trust funds, Sharkfin, index ETFs.
Indicative figures only. Returns are not guaranteed. Higher expected return implies higher risk.
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