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What is a realistic saving rate for a fresh grad in KL?

by Athirah Sofia·September 13, 2025

On RM4,500, 20% savings (RM900) is achievable with shared accommodation and meal planning. 30% if you sacrifice most lifestyle spending. Build 3-month emergency fund first before investing anything.

#savings#fresh-grad#KL#personal-finance#EPF
245 upvotes2 comments

Comments (2)

Khai Lim68

20% savings rate on RM4,500 is achievable but tight. The emergency fund before investing point is non-negotiable.

Raiza Mhd54

ASB is often overlooked by non-Bumiputera discussions but for those eligible it remains the best guaranteed return in Malaysia.