Financial Goal Simulator

Your financial goals are our top priority. Achieve them with the help of a goal-based investment approach and our financial simulation tool.

Login & start planning
Financial Goal Simulator

Your financial goals are our top priority. Achieve them with the help of a goal-based investment approach and our financial simulation tool.

Login & start planning

Set financial goals that matter to your future

They can be anything, from your retirement savings to making your first million Ringgit. No matter what generation you fall into, or what life stage you’re in, a solid financial plan starts from knowing what you want your future to look like.

Not sure where to start? The Financial Goal Simulator helps you discover the future value of your goals and the monthly investment needed to achieve each goal. Set a goal to get your personalised investment plan, or learn more about achieving your financial goals through our Content Hub.

 

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    Can you achieve Financial Independence, Retire Early (FIRE) in Malaysia? Find out what it takes in this article.

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    Ever wondered how long it'll take to reach your investment goal? Wonder no more and try our handy calculator.

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    Is it really better to start investing early? Find out how long it'll take for you to reach your investment goal if you start today.

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    Don't know how to start planning for your children's education fund? Find out how easy it is with our Financial Goal Simulator.

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    Make sure your retirement's still on track, even with extra household expenses. Start planning your Retirement Goal today.

    Plan My Retirement

  • Ready to retire and spend more time with your loved ones? It’s not too late to plan for your retirement.

    Start Planning

    These small steps can lead to big savings! Grow your savings in 2021 and take on these money challenges as your New Year's resolutions.

    Take the Challenge

    How much do you really need to retire? Use our calculator to find out what your target should be and if you’ll have enough for retirement.

    Calculate Now

Set financial goals that matter to your future

They can be anything, from your retirement savings to making your first million Ringgit. No matter what generation you fall into, or what life stage you’re in, a solid financial plan starts from knowing what you want your future to look like.

Not sure where to start? The Financial Goal Simulator helps you discover the future value of your goals and the monthly investment needed to achieve each goal. Set a goal to get your personalised investment plan, or learn more about achieving your financial goals through our Content Hub.

Start your journey with us

  • I’m looking to start saving and investing

    Here's a way to pay for your future needs and wants - start investing your extra money to grow your wealth. Start Today

    Can you achieve Financial Independence, Retire Early (FIRE) in Malaysia? Find out what it takes in this article. Read more

    Ever wondered how long it'll take to reach your investment goal? Wonder no more and try our handy calculator. Calculate now

  • I just started my first job

    Should you invest, save or do both? Find your balance to achieve financial stability. Grow My Wealth

    Here's a little challenge for you - can you achieve these 5 personal finance milestones before you turn 30? Take the Challenge

    Is it really better to start investing early? Find out how long it'll take for you to reach your investment goal if you start today. Calculate now

  • I'm about to (or planning to) start a family

    How expensive can children be? Find out how, and why you as young parents should start investing early for your kids. Read More

    Don't know how to start planning for your children's education fund? Find out how easy it is with our Financial Goal Simulator. Start Planning

    Make sure your retirement's still on track, even with extra household expenses. Start planning your Retirement Goal today. Plan My Retirement

  • I want to know if my life savings are enough

    Ready to retire and spend more time with your loved ones? It’s not too late to plan for your retirement. Start Planning

    These small steps can lead to big savings! Grow your savings in 2021 and take on these money challenges as your New Year's resolutions. Take the Challenge

    How much do you really need to retire? Use our calculator to find out what your target should be and if you’ll have enough for retirement. Calculate Now

How does it work?

Many of us invest with a single-minded focus on how well our investments perform against the market average in a given period.

Goal-based investing involves structuring investment portfolios with different risks and strategies tailored to each financial goal. As we become more focused on achieving our financial goals, we're also less inclined to make impulsive decisions based on market fluctuations.


Goal-based investment Traditional investment
Objective Ensures you have sufficient money to fund
your financial goals
Focuses on return for a single portfolio
Strategy Define multiple goals and each goal has its
own investment portfolio
Doesn't consider your financial or life goals
Risk Management Your risk is defined as not having enough
money to achieve your goal
You have a common risk profile, determined
based on your tolerance towards the
financial losses you’re willing to endure as a
result of market volatility
How is it different from traditional ways of investing?

Many of us invest with a single-minded focus on how well our investments perform against the market average in a given period.

Goal-based investing involves structuring investment portfolios with different risks and strategies tailored to each financial goal. As we become more focused on achieving our financial goals, we're also less inclined to make impulsive decisions based on market fluctuations.


Goal-based investment

Objective
Ensures you have sufficient money to fund your financial goals

Strategy
Define multiple goals and each goal has its own investment portfolio

Risk Management
Your risk is defined as not having enough money to achieve your goal

Traditional investment

Objective
Focuses on return for a single portfolio

Strategy
Doesn't consider your financial or life goals

Risk Management
You have a common risk profile, determined based on your tolerance towards the financial losses you’re willing to endure as a result of market volatility

Get started with our Financial Goal Simulator in 3 simple steps

Set your goal
Select a financial goal that resonates with you from our simulator.

Plan your financials
Tell us more about your goal and financial preferences, and we'll use it to design a potential plan tailored to your needs.

Simulate a plan
We'll project your investment growth and suggest a potential plan that aims to help you get closer to your financial goal.

Want to set more than one goal? You do you, we'll support you

With the Optimiser tool, we've made it simple to make sure all your goals are on target

Total overview
View how much you're saving for each goal and all your goals per month. Make sure they're spread out enough to achieve all your goals.

Flexible control
Is one of your goals falling off track? Adjust your monthly savings and put more in that goal to bring it back on track.

Matches your life stage
Each goal has it own portfolio of investments and risk profile. And as you progress in life and your priorities shift, the Optimiser lets you re-prioritise and adjust your goals accordingly.

Time to start planning today

Login to simulate a plan
Start planning your goals with us


  • Retirement
    Earn sufficient funds to retire comfortably and live a long, healthy life.

    Find out more

  • Education
    Give your children the tertiary education they deserve, or even plan one for yourself.

    Find out more

  • Grow Wealth
    Get more from your savings with diversified investments and fund your future goals.

    Find out more
Keep up with your Personal Finance

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  • 5 Personal Finance Milestones To Achieve Before Turning 30