Financial Opportunity for Sem 1 Students

Starting life in university or college can feel both exciting and challenging. It’s the time for you to discover the world, embrace new experiences, and learn independence. Between busy class schedules, you’ll also be making memories with friends, maybe exploring viral cafés or even eyeing the latest gadgets.

But in the midst of all the fun and chaos, your future self will thank you for building habits that will help you build a secure future. Imagine graduating and not having to worry about how to get enough money to cover rent or your first car deposit. You can enjoy that peace of mind when you start saving now, even with a small amount.

When it’s time to step into working life, you will feel more prepared, confident, and calm facing new challenges. And here’s the best part: you can take the first step with just RM50.

RM50 Free to Start Investing

Good news for first semester students at public universities, government-linked universities, polytechnics, and vocational colleges!

Through the Celik MADANI initiative, you can receive RM50 for free to start investing in Amanah Saham Bumiputera (ASB) or Amanah Saham Malaysia (ASM).

You might say, “ But it’s only RM50?” The truth is, investing isn’t about starting with a big amount, it’s about consistency and time. That’s where the power of compound returns comes in.

For example: You receive RM50 through Celik MADANI and invest it in ASB or ASM. During your 4 year studies, you just need to add just RM20 each month. After graduation, when you start working, you increase it to RM100 per month and stay consistent without withdrawals.

Assuming an annual return of 5.5%*, your savings could grow to over RM10,000.

(*This is a simulated example for illustration and does not reflect future performance.)

How Does RM50 Grow into RM10,000?

It’s the power of compound returns. The returns you earn from your investment also generate their own returns, which means your money is essentially “working” for you. Over time, even small, steady contributions can grow significantly because of this compounding effect.

With tools like Auto Labur, it’s easier than ever to stay consistent. Your investments are made automatically every month, so you won’t risk spending first and saving later.

Build Strong Financial Habits Early

Getting into the habit of saving and investing consistently from the start sets you up for life. University isn’t just about gaining knowledge, it’s also the perfect time to lay a strong financial foundation.

Be a financially smart student. Take advantage of the Celik MADANI initiative, harness the power of compounding, and let your savings grow.

Start small, start early, and build a future where money works for you.

For more details and to claim your free RM50 investment, click here.