5 years : RM 13,801 10 years : RM 33,159 15 years : RM 60,309 20 years : RM 98,389 So does investing even just RM200/month still not worth it? While I understand it’s so much easier to think of just spending that RM200 on a meal or two since it’s “not much”, but when you account for the compounding effect of investment, it’s a whole different story.