@reallivegirl Assume ASM gives you 4.5% every year:
RM100 > RM4.50 per year
RM10,000 > RM450 per year
RM100,000 > RM4,500 per year
That means you have to put in at least RM10,000 to see any kind of significant return (RM37.50 a month) but you can withdraw it anytime unlike an FD. So that...