'RM300 Also Counts?' — M’sian Mocked By Colleagues For Investing Small Amounts Monthly | WeirdKaya

A Malaysian man recently sparked discussion online after sharing how he was mocked by colleagues for investing just RM300 a month, despite his consistent efforts to build his savings.

In an anonymous post on the Facebook page, he said he has been setting aside RM300 monthly for investments, even though his income is modest and his expenses leave him with little to spare.

“RM300 also considered investing?”

According to the post, the man explained that after paying for rent, petrol, meals, and family commitments, he does not have much left each month.

Still, he makes it a point to invest RM300 regularly.

However, when the topic of investing came up at work, he casually mentioned his monthly contribution, only to be met with laughter.

Some colleagues reportedly made remarks such as, “RM300? That’s just spare change,” and claimed that investing in ETFs is too slow to generate meaningful returns. Others added that with rising inflation, such a strategy may not even keep up over time.

Simple strategy focused on consistency

The man shared that his approach is straightforward and low-risk.

He splits the RM300 into two portions, with RM150 going into long-term exchange traded funds similar to the S&P 500, while the remaining RM150 is used to gradually accumulate gold.

He emphasised that he is not chasing quick profits or high-risk opportunities, but instead hopes to steadily grow his assets over time.

To maintain his monthly contributions, the man said he has made lifestyle adjustments.

He avoids spending RM15 daily on coffee, does not frequently upgrade his phone, and cuts down on unnecessary online shopping. The savings from these choices are then channelled into his investments.

Choosing stability over risk

While he admitted that some of his colleagues’ arguments sounded reasonable, he pointed out that not everyone is in a position to take on higher risks.

He also noted that investment scams have become increasingly common in Malaysia, with some people losing large sums of money.

He shared that even a friend of his had reportedly lost RM20,000 within a few months.

This, he said, further reinforced his decision to stick with a safer, more consistent investment plan.

Netizens say consistency matters more

Following his post, some netizens came to his defence, saying that RM300 is not a small amount, especially given the current cost of living.

Many pointed out that the real challenge lies in maintaining consistency, and being able to set aside money regularly despite financial pressures is already an achievement in itself.

The discussion has since resonated with many, highlighting differing perspectives on what it means to invest and how individuals approach financial security.

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