Can we START investing in unit trust with a SMALL capital (as low as RM100) ?

Don't be surprised if more than half or 53% of Malaysian households have no financial assets, while 1 in 3 Malaysians do not have an account, the report commissioned by the United Nations Development Programme (UNDP) said. To make this fact become more scary, rural households have the highest number of those without any financial assets (63%), compared to 45% of urban households, and by ethnic group, Bumiputera and Malays chalked up the highest figures as those without such assets.

I still remember back in 1987 in Subang Jaya, my 'RM 5 duit belanja sekolah' can sustain for 1 week .. yes of course during that time, there's no car to pay, no housing loan to commit, no personal loan or credit card to pay .. of course, I'm still in the primary school during that time ! .. our buying power and shopping appetite is not as big as a working adult =)

But the feeling of the 'financial freedom' during that time is priceless .. you just only want to play, wait for your favorite cartoon series, mingle with your friends and families, listen to you favorite musics or groups etc ... Anyway, that was a past story .. We have to move forwards and draft a suitable strategy to face the present challenge, so that we can be more wise and more dynamic in handling complex situations, especially our financial situation.

The most basic rule of thumb to get your finances sound and stable is to make sure that you're having a savings plan or saving money from your income .. this the most basic understanding (but in reality is still the most difficult things to do) ... just imagine if the most basic rule we're not able to execute than we can easily fall into a financial disaster ... So, if you do not have a savings plan that start to have it now ! ... if we do not have a savings plan, our 'earning VS spending' graph pattern will be like a 'straight line with increase in gradient' .. the more you earn, the more you spend !

Now come to the bonus question ... how big will be the savings plan ? ...

The answer for this question is very very subjective and depends from one individual to others ... Mostly savings plan will not turn one into millionaire (unless you save like RM100K a month ... and I had came across few individuals that can save like this) .. The purpose of savings plan is for an individual to contributes money on a regular basis in order to reach a financial goal on a short or long term basis.

What I want to share with you now is, you can start to invest in unit trust scheme with as low as RM100 in a monthly basis to achieve your financial goals ... Investing in unit trust besides than saving your cash in a conventional way (e.g. ASB, Fixed Deposit, Koperasi etc) is an alternative option to grow your cash ... We all know that 'Putting all your eggs in one basket' is not only diversify your investment portfolios, but it's actually assist you to mitigate the risk of your investment.

Today, to start investing in unit trust, it is not necessary for you to have a big capital or big pile amount of cash to start with ... it is also not necessary for you to have an EPF/KWSP to start to invest in unit trust ( ... so what about the people that do not have or having insufficient EPF money but still want to invest in unit trust ?) ...

Remember the objective earlier ... in order for one to be out from the 'less than 15% group' (refer this post 1st line), then you have to start with the basic savings plan .. in order to have the savings plan, you have to create your financial goals (no matter short or long term basis) .. than, to achieve those goals, you have to contribute some money on an regular basis.

So, after this, once you received a cash payment (name it .. your paycheck, allowance, OT, bonus, rental income, business income etc) .. before you pay any of your monthly bills, put aside RM100, and invest in unit trust consistently .. let this cash grow to achieve your goals.

I know you can do it, so let's start now ... Good Luck!

To open unit trust account, please email me at:

E-mail: inunit.wetrust@gmail.com