What does your monthly investment actually become?

Pick an asset class. Enter your amount. See your financial future in 30 seconds.

For educational purposes only. Returns are estimates based on historical Malaysian market averages. Actual results will vary. Not financial advice.

You invest

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over 20 years

→

Fund grows it to

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+0%

→

Your profit

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money you never worked for

⏳

Cost of waiting 1 year

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What you lose by starting next year instead of today

💰

In today's money

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Adjusted for 3% annual inflation — what it's really worth

📅

Monthly retirement income

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If you withdraw 4% per year from your final portfolio

Portfolio Growth Over Time

Year-by-Year Milestones

Milestone	Year	Age	You Invested	Portfolio Value	Profit

📊 Track Monthly in adzo.app

Past performance is not indicative of future results. Consult a licensed financial adviser before making investment decisions. Returns assume consistent monthly contributions and reinvestment of all gains.

Which asset class suits you?

Click any card to use it in the calculator above.

🏦

Fixed Deposit

~3.5% per year

Bank saves it for you. PIDM-protected. Safe. Slow. Best if you can't sleep when markets move.

📄

Bond / Sukuk

~5.5% per year

Government and company loans. Steady income. Small ups and downs. Good for conservative investors.

⚖️

Balanced

~7.0% per year

Half bonds, half stocks. The middle path. Decent growth, manageable risk. Most popular starting point.

📈

Equity

~10.0% per year

Stock market. Will go up and down year to year. But over 10+ years, historically the best performer.

🚀

Equity Aggressive

~12.0% per year

Small companies, thematic funds, emerging markets. High potential. Only for long time horizons and strong stomachs.