🧵Thread 🧵 Don’t have much to invest? Let’s assume you only have RM200 to invest each month. While it may not sound like much upfront, and it may even look “useless”, cause “how much can you make out of just investing RM200/month?” When we look long-term and account compounding effects, this is what it’ll look like : Take the S&P 500 which has an average return of 10% annually. To make it more realistic, we”ll scrape of -3% to accommodate for inflation, hence you’re getting 7% back annually.