If you’re looking to grow your money in 2025 without diving into risky schemes or needing a huge capital or via investments, you’re in the right place. Many Malaysians think investing is only for the rich or finance-savvy, but that’s no longer true. Today, with as little as RM10, you can start building your financial future.
Let’s explore some safe, beginner-friendly investment options in Malaysia, especially for those who want steady returns with minimal hassle.
Amanah Saham Nasional Berhad (ASNB)
One of the most stable and trusted options is ASNB’s fixed-price unit trusts, like ASB and ASM. You can start with just RM10. These funds typically give around 4–5% dividend returns annually, making them a great passive income tool. However, do note that most of these funds are only open to Bumiputera investors.
Robo-Advisors Investments (StashAway, Wahed, Syfe)
If you’re looking for automated, low-maintenance investments, robo-advisors are perfect. Platforms like StashAway and Wahed Invest allow you to start with as little as RM10, offering diversified global portfolios. You don’t need to know about stocks—just set your goals, and the app does the rest. You can expect a historical return of 4–8% annually. Plus, platforms like Wahed offer Shariah-compliant portfolios.
Private Retirement Scheme (PRS)
PRS is a long-term investment designed for retirement. You can start from RM100, and the best part is you get up to RM3,000 in annual tax relief. It’s managed by professional fund managers and works similarly to EPF, but with more flexibility in choosing funds. However, funds are locked until age 55, except for partial withdrawals.
Money Market Funds Investments (MMF)
Money Market Funds like those offered by FSMOne, Versa, or Touch ‘n Go GO+ give you better returns than a regular savings account. With just RM10, you can start earning around 2.5–4% annually, and you can withdraw anytime. This makes MMFs ideal for emergency savings or short-term goals.
REITs Investments (Real Estate Investment Trusts)
If you want to earn rental income without buying physical property, REITs are a great alternative. Available on Bursa Malaysia, you can start investing with about RM100 through online brokerages. REITs give you quarterly dividends and potential price appreciation, and they’re highly liquid—meaning you can sell anytime.
Important Tips Before You Start
- Don’t invest money you need within the next 1–2 years.
- Know your risk tolerance. If price drops stress you out, stick to safer options.
- Check fees and charges. Even small fees can reduce long-term profits.
- Avoid get-rich-quick scams. Always stick to regulated platforms.
Final Thoughts
You don’t need to be a financial expert or have thousands of ringgit to start investing. Whether you’re using ASNB for stable dividends, robo-advisors for automated global growth, or MMFs for safe parking, what matters is that you start now and stay consistent. Let compound interest work its magic while you go about your day.
“The best time to invest was yesterday. The next best time is today.”
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