An Average Middle Class Stands to Lose RM1.5 Million to RM3 Million

In our professional experience, we have very strong, compelling reasons to believe that every middle class is destined to achieve financial freedom. The shocking truth is that, they don’t have to take a lot of risk to achieve it. They just need to optimise what they’ve got.

However, the reality is most middle class don’t.

Our research reveals that the average middle class Malaysian (with monthly household income between RM10, 000 to RM 30,000) suffer a staggering loss of RM1.5 million to RM 3 million.

Can you afford such a loss?

The truth is, the seeds of this financial disaster are planted years before their outcome. The middle class has a tendency to make unnecessary mistakes (either taking too much risk or do nothing to grow their wealth) which derails them from their rightful financial destiny. The mistakes are often small and do not even look like mistakes at the time. So, many do not even realise that they are making them.

The great investor, Warren Buffet said, “Risk comes from not knowing what you’re doing.”

Ask yourself, are you and/or your spouse knowingly or unknowingly making the following “small money” mistakes?



And the list goes on and on ………………

None of the ‘mistakes’ shown here are in itself disastrous. However, their combined and compounding effect will “create a loss of 1.5- 3 million” and rob the middle class of their financial freedom

Example of a common mistake – Not optimising the returns on savings

Say you put RM 2,000 per month in a fixed deposit account for 20 years. At 3% interest p.a., FD will give you RM 656,603. On the other hand, if you had invested the amount at an average rate of return of 8% p.a., you would get RM 1,178,040. Compare the 2 actions above. Which would give you a better result? If you had kept the money in FD, you would have failed to optimise on the opportunity and lose RM 521, 437.The outcome is even worse for those who put their money into a saving account, which gets only 1-2% p.a.

In retrospect, how does having an additional RM 1.5 million – RM 3 million mean to you? How different would life be for you and your family?

At Whitman, we have developed a scientific and proven method to help the middle class keep on financial freedom track.

For more information, talk to us without obligation.


Click here to learn How to Increase Net Worth by 60 To 180%With High Certainty

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