Cost of delay
Spend vs invest
Rate asymmetry
Start age race
Current portfolio (RM)
50k
Monthly savings (RM)
2,000
Annual return (%)
8%
Years delayed
3 yrs
Invest for (years)
20 yrs
Start today
Delayed start
Daily spend (RM)
30
Annual return (%)
8%
Over (years)
20 yrs
Invested value
Cash spent
Starting capital (RM)
100k
Monthly addition (RM)
1,000
Years
25 yrs
Monthly savings (RM)
1,500
Annual return (%)
8%
Target age
60