FUNDING Needs To Reach RM 100,000..

Invest Horizon	Investment Return			Financial Goal
	2.50%		8%
5 years	88,835		68,058	$100,000
10 years	78,120		46,320	$100,000
20 years	61,027		21,455	$100,000

From table above, we can clearly seen the funding needs to reach $ 100,000. Let's say if you are putting the money in Fixed Deposit for only 2.5% yearly interest income compare with an investment tools for instance Unit Trust - Managed Fund for average yearly return 8%. For the 3 different investment horizon, the effort put in a high investment return is rather small compare with low yearly return investment tools. So, be a Smart" Investors" and choose the realistic investment tools for your investment portfolio, so that you are able to reach your financial goal more faster.

Another important point is- you need to begin investing early and effectively, the power of compound effect enable you to accumulate your wealth , let the money work hard for you ! Happy Investing !

How Do The Rich Escape from Rat Race ?

Accordingly to Wikipedia, rat race is a term used for an endless, self-defeating or pointless pursuit. It is just like a rat trying to escape whilst running around a maze or in a wheel.


The increased image of work as a "rat race" in modern world has led many to question their own attitudes towards work and seek a more harmonious Work-life balance. Many believe that long work hours, unpaid overtime, stressful jobs, time spent commuting, less time for traditional family life, has led to a generally unhappier workforce to enjoy the benefits of increased economic prosperity and a higher standard of living.


So, if you work minimum 8 hours a day and trade your time for paycheck in order to pay bills, there is a high possibility that you are caught in rat race.



The rich who is financially successful do not trade their time for money. Conversely, the rich leverage on other people money and time to make money.
Instead of working hard for money, the rich ensure money working hard for them through investment.

Property investors leverage on other people money by borrowing from banks to purchase properties or assets. They rent out the properties and have the tenants pay off the loans. Other than getting the tenants to pay off their assets, the property investors make even more money when their assets appreciate in value. Property investors leverage on other people money to make money.

Business owners like Bill Gates leverage on other people time by hiring employees to work for them. Investors, who invest in stock market, leverage on business owners and employees time to make money for them through capital gain from stocks.




Can An Average Ordinary Person ESCAPE From Rat Race?

Absolutely Yes!

No doubt it is difficult to leave our comfort zone and risking the secure regular paychecks to pay off our bills. We need to take the first step and action to start somewhere. We need to change our mentality and reprogram our minds to mirror the millionaire minds.

At the same time, we have to start financial planning and saving to accumulate capital. Acquire the skills to generate passive income. Learn how to invest in assets like properties, stock market or own and run businesses.

As our assets growing which in return generating more money, more money will increase our capability to increase the number or size of assets. The same “money working hard” cycle repeats by itself until such time that we no longer need to trade our time for money where we can live, work, play and give freely.

Congratulations! That’s the time that we are out of rat race and achieve financial freedom!