I Work. I Earn. I Worry.
A free 2-hour workshop for Malaysian professionals who want to stop worrying about retirement. And start doing the actual math.
2 hours. The math. The plan. No pitch.
Your Money Is Losing a War You Can't See.
Most Malaysians keep savings in Fixed Deposit because it feels responsible. It's what our parents did. A generation ago, FD rates were 8–10% — you could park your money and actually get ahead. That plan worked.
It doesn't anymore.
Every ringgit that enters your account is a soldier. Right now, most of your soldiers are sitting in Fixed Deposit — trained, capable, but without orders. They show up every month. They stand in formation. They don't move.
Meanwhile, inflation is on the move every single day. Quietly. Consistently. 3% a year. It doesn't take holidays. It doesn't wait for the right market conditions. It just marches.
One war. Two sides. Your soldiers, standing still. Inflation, marching forward.
And winning.
Inflation silently erodes the real value of your money — even if the number in your account stays the same.
RM1mil
Today
RM744k
10 Years
RM554k
20 Years
−RM446,000
in real purchasing power lost over 20 years
* Assuming inflation rate is 3% p.a. Figures are illustrative only.
"My biggest takeaway? Nasi lemak cost."
This is what the battlefield actually looks like: RM1 million today buys what RM554,000 buys in 20 years. Same number in your account. Half the life it can pay for.
Your soldiers didn't fail you. Nobody gave them a mission.
That's what this workshop is — the mission brief.
14 Years in Practice
Leader, RCA Wealth
RCA Wealth Team
RM750M+ Assets Managed
Hi. I'm Rebecca.
Second Generation Leader, RCA Wealth · 14 Years in Practice
RCA Wealth was founded over 30 years ago by my late father, with a simple mission — to help Malaysian families build lasting financial security.
When he passed in 2013, I stepped in to continue that responsibility. For the past 14 years, I’ve worked with professionals and young families, guiding them through the same disciplined framework that has served our clients across generations.
"Here’s what decades of experience both mine and the firm’s have made clear: The people who retire comfortably aren’t necessarily the highest earners. They’re not the strictest savers either."
They’re the ones who understand three essential components of wealth — and align them early. Because wealth isn’t about income alone. It’s about putting the right pieces in place early — and allowing time to do its work.
"Hopefully Enough" Is Not a Plan.
Most Malaysians approach the biggest financial decision of their life without a plan. No number. No timeline. No strategy. Just a quiet hope that things will work out.
Hope is not a strategy. Math is.
Think of it like Waze. Before it can give you a route, it needs three things: where you're going, where you are, and how long you have to get there. Take away any one, and the route disappears.
Retirement works the same way. Three numbers. Without all three, you're not planning — you're hoping.
Your Number
Where are you going?
The exact ringgit figure you'll need to retire the way you actually want to live. Not "a lot." Not "as much as possible." A specific destination. Without this number, every financial decision you make for the next 20 years is a guess.
Your Timeline
How long do you have?
The same RM1,000 a month over 25 years and 35 years produces completely different outcomes. Time is not a background detail — it's the single biggest lever you have. And it's the only one you can't get back.
Your Gap
Where are you starting from?
This is the number people are most afraid to look at. But once you see it clearly on paper, something shifts. It stops feeling scary — and starts feeling like a solvable problem.
When these
three numbers are clear, the route appears.
You stop worrying. You
start doing.
The Million Ringgit Calculator
Your Waze for retirement.
Three inputs. One answer.
The exact number you need, the exact timeline to get there, and the exact monthly amount that closes your gap. No spreadsheets. No jargon. No financial degree required.
During the workshop, you'll get live access to plug in your numbers and watch your retirement take shape in real time. Change one input, and watch the whole picture update.
Questions you'll finally be able to answer:
This calculator has already helped thousands of Malaysians stop guessing.
Your turn is next.
lock Find My Retirement Number arrow_forwardR.C.A. — The Most Boring Way
to Become a Millionaire
Three letters: Ringgit Cost Averaging. Fixed amount, moved automatically, every single month. Consistent. Disciplined. Boring.
It's also not by accident. R.C.A. are the same three letters behind our agency — RCA Wealth.
R.C.A. isn't a product we sell. It's a philosophy we've practiced — with our own clients, our own families, our own money — for 30+ years. The agency is named after the method, because the method is what the agency does.
The Assumptions
Let's start with the most conservative version.
Flat RM1,000/month @ 8% p.a.
Consistency always beats intensity.
You Put In
RM 240,000
It Grows To
RM 593,000
You Put In
RM 300,000
It Grows To
RM 957,000
You Put In
RM 360,000
It Grows To
RM 1,500,000
| Years Invested | Total You Put In | What It Grows To | Wealth Multiplier |
|---|---|---|---|
| 20 Years | RM 240,000 | RM 593,000 | 2.4x |
| 25 Years | RM 300,000 | RM 957,000 | 3.1x |
| 30 Years | RM 360,000 | RM 1,500,000 | 4.1x |
*Projections above assume a hypothetical 8% annual return and are illustrative only. Time and consistency drive compounding.
Read that bottom row again.
You contributed RM360,000 over 30 years. Your portfolio grew to RM1,500,000.
The extra RM1,140,000 wasn't earned. It was grown.
While you were sleeping, working, raising kids, living your life. No trading. No timing. No watching the market.
Just time. And consistency. And the discipline to not touch it.
Consistency always beats intensity.
One Feels Safe. The Other Actually Is.
Most working professionals in Malaysia are on the same path: salary in, FD it, hope for the best. It feels responsible. It feels safe.
The numbers tell a different story.
Path 1
Doing Nothing
-
Strategy
Salary + FD + Hope
The most common approach in Malaysia. Feels responsible. Loses to inflation every year.
-
Outcome
Uncertain
Your money loses ~3% of its real value every year to inflation. RM1 million today buys what RM554,000 buys in 20 years.
-
Time Required
Zero.
Which is exactly why it feels safe.
-
Emotional Cost
Quiet. Constant.
Grows with every birthday.
Path 2
The R.C.A. Method
-
Strategy
Automated + Consistent
Fixed monthly amount, moved automatically. No decisions. No timing. 15 minutes a month.
-
Outcome
Clear + Measurable
3 out of 4 millionaires built their wealth through regular, consistent long-term investing.*
-
Time Required
15 minutes a month.
After setup, the system runs itself.
-
Emotional Cost
None.
The worry lifts the moment you have a plan.
* Source: The National Study of Millionaires — Ramsey Solutions, 10,000 respondents.
One path feels safe but loses ground every year.
The other takes fifteen minutes a month — and has historically made millionaires.
Doing nothing feels safe. It isn't.
Proof, Not Promises.
Here's what Malaysian professionals took away after walking through the same 2-hour workshop you're about to join.
Their biggest takeaways, in their own words:
And the moment the math became real:
"Yoke Bee turned my scepticism and negative perception of unit trust industry 180 degrees, and her advice on financial stability in my early years still ring true. No question is too silly, and no idea is too small, I am glad to be a part of this great organisation."
Shel Ling Chew
Client
"Solomon has the ability to match the appropriate insurance products to my needs and do not over sell. His advice and recommendation has been top notch and from time to time update us on the current insurance outlook. Keep it up and definitely will recommend to my friends and family."
Ve Ken Woon
Client
"A very good sharing & motivated by speaker - Rebecca Chan."
Clovis Quek
Workshop Participant
"Solomon has an uncanny ability to distinguish between insurance and investment, and I appreciate it when he helps me match the right insurance products to my needs while also understanding my company's financial goals. Highly recommended professional insurance agency if you ask me."
Edwin Ng
Client
"My kids enjoyed the session very much and as parents, me and my husband now have better idea on our kids' relationship with money. Also, especially love the debrief session for parents at the class, where we got great ideas on how to guide the kids better on their money management journey."
Tze Ling Ng
Parent & Client
What past participants leave with:
Stop Worrying.
Start Doing.
Two hours. Three numbers. One clear plan for the retirement you actually want.
"You've spent years carrying the question. You can put it down by lunchtime on Saturday."
After the workshop: Any participant who wants personalised planning can book a complimentary 30-minute follow-up with one of our consultants. No pressure. No pitch. Just an open door if you want it.
Reserve your seat — free. Each session is capped at 100 participants to keep the experience focused.
Reserve Your Seat
Zoom link sent to your email instantly.
Frequently Asked Questions
Is this workshop really free?
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Yes — 100% free. No credit card required, no hidden charges.
We built this workshop to educate Malaysians on building wealth the right way — without the jargon, and without the sales tactics.
If you want personalized guidance after the session, every participant has the option to book a complimentary 30-minute 1-on-1 consultation. No pressure. No obligation.
I can only invest a small amount. Is this still
worth
attending?
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Absolutely. This workshop is built for regular working Malaysians — not millionaires.
Ringgit Cost Averaging works with as little as RM100 a month. The number in your account at 65 isn't decided by how much you started with. It's decided by how consistently you showed up.
Consistency beats amount. Every time.
Will I be pressured to buy something during the
workshop?
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No. This is an education session, not a sales pitch.
You'll walk out with real tools, real numbers, and a plan you can start on your own — whether you ever talk to us again or not.
At the end of the workshop, we'll briefly share how our consultants can help if you want personalized guidance. But that's an open door, not a sales pitch. You decide.
How is RCA Wealth unique?
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30+ years. RM750M in client assets. Zero hype.
We've guided Malaysian families through every market cycle since the 1990s — the Asian Financial Crisis, the 2008 crash, the pandemic, and everything in between. Every time, the same disciplined approach has held.
We don't sell excitement. We don't chase trends. We build quiet, boring wealth — the kind that actually makes it to retirement.
Who should attend this workshop?
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This workshop is built for working Malaysians who:
- ✓ Are serious about building real retirement wealth
- ✓ Have been relying on savings or FD and suspect it isn't enough
- ✓ Earn a steady income and are ready to put that income to work
- ✓ Want a measurable plan — not vague advice
- ✓ Are ready to stop guessing and start calculating their actual retirement number
- ✓ Believe in discipline over shortcuts
If you want to take ownership of your financial future with structure and clarity, this is for you.
Who should not attend this workshop?
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This workshop isn't for you if:
- ✗ You're looking for fast returns or shortcuts to wealth
- ✗ You believe high-risk bets are the only way to grow money
- ✗ You want someone else to handle everything without your involvement
- ✗ You're not ready to commit consistently over years
- ✗ You already have a clear strategy and are confidently executing it
This is for people who want sustainable wealth — not speed.
What happens after I register?
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- You'll receive an instant confirmation email with details about the workshop.
- Three days before the session, you'll receive your personalised Zoom link.
- A final reminder goes out the day before, so you don't forget.
On the day of the workshop, just click your link and join. We handle the rest.
Still carrying the question?
You can put it down by lunchtime on Saturday.
Find My Retirement Number arrow_forward