How to start investing with RM10 in Malaysia

Most Malaysians already know they should be investing. Bank Negara Malaysia’s Financial Capability and Impact Survey 2024 found that 61% of Malaysians cannot raise RM1,000 for an emergency. A separate report by the National Consumer Financial Wellness Index put the number of Malaysians with no financial plan at around 60%. The knowledge is there. The action isn’t. 

If you’ve been putting it off, you are not alone. But the barrier is probably lower than you think. Investment in Malaysia has become far more accessible in recent years, and you can start with as little as RM10 too. This guide walks you through why that matters, how small amounts grow, and what your options are through GOfinance in the TNG eWallet app. 

The “I’ll start when” problem 

Almost everyone has a condition they’re waiting to meet before they start investing. A higher salary. No debt. A bigger savings buffer. A stable market. The list grows longer the more you think about it, and the longer you wait, the more time your money spends doing nothing. 

The irony is, investing is one of the tools that helps you reach some of those conditions. You do not build wealth by waiting for the right moment. You build it by starting before you feel ready and staying consistent over time. Look at it this way: Markets go up and down, your salary may never feel like enough, and there will always be something more pressing to spend on. None of that changes. Which is why instead of waiting for the perfect conditions, you should start anyway. 

Can you start investing with RM10 in Malaysia? 

With the products within GOfinance, yes you can. 

It used to be the case that when you hear “investing,” you probably picture large sums and complicated brokerage accounts. But that just isn’t true anymore. With GOfinance’s offerings, you can start your investment journey with as little as RM10, which gives you several advantages. 

Starting with RM10 removes the pressure that stops most people. You are not risking anything meaningful. You are not agonising over whether you picked the right fund or whether the market is at a peak. You are just putting a small amount to work and learning how the process feels. 

Small amounts also compound. If you invest RM50 a month for ten years, you will have put in RM6,000 of your own money. At a hypothetical 5% annual return, that RM6,000 could grow to around RM7,800. The extra RM1,800 did not come from you. It came from your returns earning returns on top of returns. That is compounding, and the only ingredient it needs is time. Starting with RM50 this month beats waiting two years to invest RM5,000 in one go. This is also why dollar-cost averaging works well for beginners. Instead of trying to time the market, you invest the same amount every month. When prices are low, your money buys more. When prices are high, it buys less. Over time, this smooths out the bumps and takes the emotion out of investing. You do not need to follow financial news or understand candlestick charts. You just keep showing up. 

Investment options in GOfinance

GOfinance is the financial hub within the TNG eWallet app. It brings together investment products from partners like Principal Asset Management, CIMB, and ASNB, all accessible from your phone. Here is a breakdown of what is available and who each option suits. 

GO+ 

GO+ is a money market fund that lets you earn potential returns on spare cash while keeping it accessible. You can withdraw anytime, and there is no lock-in period. 

Best for: People who want their money to work a little harder than a regular bank balance but are not ready to commit to a longer-term investment. Good as a first step if you have never invested before. 

Risk level: Low. Money market funds invest in short-term, high-quality instruments and tend to have lower volatility than equity or bond funds. Returns are modest but more predictable. 

SAVE 

SAVE is a Shariah-compliant feature that sets money aside from your everyday spending balance and invests it in the Principal Islamic Money Market Fund. Projected returns are up to 3.3% p.a., and you can start from RM10 with no lock-in period. 

SAVE gives you two ways to save: automatic monthly cash-in for people who want a regular habit, or one-time top-ups for when you have spare money to set aside. Your savings sit separately from your eWallet balance, which makes them harder to accidentally spend. 

Best for: People who want a structured way to save with some returns on top. Useful if you tend to spend whatever is in your eWallet balance and want a dedicated place to park money you are trying to grow. 

Risk level: Low. Like GO+, SAVE invests in money market instruments, which are among the lowest-risk investment types available. 

Principal 

Principal Asset Management offers a range of unit trust funds through GOfinance, starting from RM10. You can choose from money market funds, bond funds, and equity funds depending on your goals and risk tolerance. Each fund is managed by Principal’s professional fund managers, so you get diversification and expertise without having to pick individual stocks or bonds yourself. 

Best for: People who want exposure to stocks or bonds but do not have the time, knowledge, or desire to manage a portfolio themselves. Good for medium to long-term goals like buying a house, funding education, or building a retirement nest egg. 

Risk level: Low to high, depending on the fund. Money market and bond-focused funds carry lower risk. Equity funds carry higher risk but offer higher potential returns over time. 

Amanah Saham Nasional Berhad (ASNB) 

ASNB offers some of the most popular long-term investment products in Malaysia. Amanah Saham Bumiputera (ASB) is open to Bumiputera investors and has historically provided consistent annual dividends at a fixed price of RM1 per unit. Amanah Saham Malaysia (ASM) is available to all Malaysians, with variable pricing. 

You can start investing in ASNB through GOfinance from RM10. 

Best for: Long-term wealth building. ASB in particular has a reputation for steady returns and capital preservation at RM1 per unit, which makes it a common choice for Malaysians saving for retirement or major life goals. 

Risk level: Low to moderate. ASB’s fixed price structure provides capital stability. ASM’s variable price means the value can fluctuate, though historically it has been relatively stable. 

Stock trading 

If you want to buy shares in specific companies listed on Bursa Malaysia or international exchanges, GOfinance gives you direct access to stock trading with e-Trade and Webull. This means you pick the companies you want to invest in, you decide when to buy and sell, and you own the shares. 

Best for: People who enjoy researching companies, following markets, and making their own investment decisions. Stock trading gives you full control but also full responsibility for the outcomes. 

Risk level: High. Individual stocks can rise or fall sharply based on company performance, market conditions, and global events. You can lose part or all of your investment. 

e-Mas 

e-Mas lets you buy and sell gold digitally from as little as RM10. You get exposure to gold prices without needing to store physical gold or open a separate account with a gold dealer. 

Best for: People who want portfolio diversification or a hedge against inflation. Gold tends to hold value when stock markets are volatile, which makes it a useful complement to other investments. Note that e-Mas is not Shariah-compliant. 

Risk level: Moderate. Gold prices fluctuate based on global demand, currency movements, and economic conditions. It does not generate dividends or interest, so returns depend entirely on price movement. 

Which one should you pick? 

If the list above feels overwhelming, start here: 

If you have never invested before and want something simple, GO+ or SAVE is the easiest entry point. Both are low-risk, both let you withdraw anytime, and both help you build the habit of putting money to work regularly. 

If you are ready to take on more risk for potentially higher returns, look at unit trusts. Pick a fund that matches your timeline and comfort level. Equity funds are better for goals that are five or more years away. Bond or mixed-asset funds suit shorter timelines. 

If you want long-term stability with a proven track record, ASNB is a strong choice, particularly the ASB fund for Bumiputera investors. 

If you want to be hands-on and are willing to learn, stock trading gives you direct market access. Start with companies you understand and amounts you can afford to lose while you are learning. 

You do not need to use every product at once. Pick one that matches where you are right now, learn how it works, and expand when you feel ready. 

Common mistakes beginners make 

Waiting for the perfect time. The most common mistake is not a bad investment. It is no investment. Every year you wait costs you a year of compounding. 

Putting everything into one product. Diversification spreads your risk across different types of investments. If one underperforms, others can balance it out. This is why unit trusts are popular with beginners. You get diversification from a single purchase. 

Selling when the market drops. Market dips are normal and temporary if you are investing for the long term. Selling during a downturn locks in your losses. Staying invested gives your portfolio time to recover. 

Ignoring fees. Different products come with different charges. Sales fees, management fees, and platform costs all eat into your returns. Know what you are paying before you commit. 

Start with RM10. Start today. 

Investing is not about having perfect conditions or all the answers. It is about starting with what you have and staying consistent. RM10 is enough to begin. Compounding takes care of the rest if you give it time. 

Every experienced investor started somewhere, and that somewhere was usually smaller than you would expect. Open TNG eWallet, find GOfinance, pick one product, and put RM10 in. That is the whole first step. The rest follows. 

FAQs 

Can I really start investing in Malaysia with RM10? 

Yes. GO+, SAVE, unit trusts through GOfinance, ASNB, and e-Mas all accept investments from RM10. The key is to start building the habit. You can always increase the amount later. 

Is investing with a small amount worth it? 

Small amounts compound over time. If you invest RM50 a month for ten years at a hypothetical 5% annual return, your RM6,000 in contributions could grow to around RM7,700. The earlier you start, the more compounding works in your favour. 

What is the best investment in Malaysia for beginners? 

For beginners who want low risk and flexibility, GO+ or SAVE are good starting points. For those ready to take on more risk, unit trusts offer professional management and diversification from RM10. ASNB is a strong choice for long-term stability. 

How do I invest in stocks in Malaysia as a beginner? 

You can buy shares in companies listed on Bursa Malaysia through the stock trading feature in GOfinance. Start with companies you understand, invest amounts you are comfortable with, and be prepared for prices to move up and down. Dollar-cost averaging, where you invest the same amount every month, is a practical approach for beginners. 

Should I invest or pay off debt first? 

It depends on the type of debt. High-interest debt like credit card balances should usually be paid off first because the interest rate is likely higher than what you would earn from investing. Lower-interest debt like a housing loan can be managed alongside regular investing.