Salam and hi everybody,
As I am busy working with RM40 000 project, I just found some amazing fact.
This is from my observation.
5 months ago, I was collecting 10 cent, 20 cent and 50 cent coins into my piggy bank.
Just half an hour ago, I try to insert more coins into the piggy bank. Come to my surprise, the piggy bank is full. So I decided, to count the money. What a bloody happy I am, it is almost RM100.
Then, I decided to open an account for my daughter with that money. If I'm not mistaken, the rate for Bank Rakyat is 15% , I just knew it last month as I paid my bills there.

I then, open Excel, and try to calculate, how much the money will be grow.

Here is my calculation.

RM100 every year for 10% rate

Tahun	Baki Dari Bank	Dalam Bank	Kadar Keuntungan	Jumlah Keuntungan	Simpanan + Keuntungan
1	0	100	0.1	10	110
2	110	210	0.1	21	231
3	231	331	0.1	33.1	364.1
4	364.1	464.1	0.1	46.41	510.51
5	510.51	610.51	0.1	61.051	671.561
6	671.561	771.561	0.1	77.1561	848.7171
7	848.7171	948.7171	0.1	94.87171	1043.58881
8	1043.58881	1143.58881	0.1	114.358881	1257.947691
9	1257.947691	1357.947691	0.1	135.7947691	1493.74246
10	1493.74246	1593.74246	0.1	159.374246	1753.116706
11	1753.116706	1853.116706	0.1	185.3116706	2038.428377
12	2038.428377	2138.428377	0.1	213.8428377	2352.271214
13	2352.271214	2452.271214	0.1	245.2271214	2697.498336
14	2697.498336	2797.498336	0.1	279.7498336	3077.248169
15	3077.248169	3177.248169	0.1	317.7248169	3494.972986
16	3494.972986	3594.972986	0.1	359.4972986	3954.470285
17	3954.470285	4054.470285	0.1	405.4470285	4459.917313
18	4459.917313	4559.917313	0.1	455.9917313	5015.909045
19	5015.909045	5115.909045	0.1	511.5909045	5627.499949
20	5627.499949	5727.499949	0.1	572.7499949	6300.249944

RM200 with 10% rate

1	0	200	0.1	20	220
2	220	420	0.1	42	462
3	462	662	0.1	66.2	728.2
4	728.2	928.2	0.1	92.82	1021.02
5	1021.02	1221.02	0.1	122.102	1343.122
6	1343.122	1543.122	0.1	154.3122	1697.4342
7	1697.4342	1897.4342	0.1	189.74342	2087.17762
8	2087.17762	2287.17762	0.1	228.717762	2515.895382
9	2515.895382	2715.895382	0.1	271.5895382	2987.48492
10	2987.48492	3187.48492	0.1	318.748492	3506.233412
11	3506.233412	3706.233412	0.1	370.6233412	4076.856753
12	4076.856753	4276.856753	0.1	427.6856753	4704.542429
13	4704.542429	4904.542429	0.1	490.4542429	5394.996672
14	5394.996672	5594.996672	0.1	559.4996672	6154.496339
15	6154.496339	6354.496339	0.1	635.4496339	6989.945973
16	6989.945973	7189.945973	0.1	718.9945973	7908.94057
17	7908.94057	8108.94057	0.1	810.894057	8919.834627
18	8919.834627	9119.834627	0.1	911.9834627	10031.81809
19	10031.81809	10231.81809	0.1	1023.181809	11254.9999
20	11254.9999	11454.9999	0.1	1145.49999	12600.49989

RM100 for once at 10% rate

1	0	200	0.1	20	220
2	220	220	0.1	22	242
3	242	242	0.1	24.2	266.2
4	266.2	266.2	0.1	26.62	292.82
5	292.82	292.82	0.1	29.282	322.102
6	322.102	322.102	0.1	32.2102	354.3122
7	354.3122	354.3122	0.1	35.43122	389.74342
8	389.74342	389.74342	0.1	38.974342	428.717762
9	428.717762	428.717762	0.1	42.8717762	471.5895382
10	471.5895382	471.5895382	0.1	47.15895382	518.748492
11	518.748492	518.748492	0.1	51.8748492	570.6233412
12	570.6233412	570.6233412	0.1	57.06233412	627.6856753
13	627.6856753	627.6856753	0.1	62.76856753	690.4542429
14	690.4542429	690.4542429	0.1	69.04542429	759.4996672
15	759.4996672	759.4996672	0.1	75.94996672	835.4496339
16	835.4496339	835.4496339	0.1	83.54496339	918.9945973
17	918.9945973	918.9945973	0.1	91.89945973	1010.894057
18	1010.894057	1010.894057	0.1	101.0894057	1111.983463
19	1111.983463	1111.983463	0.1	111.1983463	1223.181809
20	1223.181809	1223.181809	0.1	122.3181809	1345.49999

Wow, even you also can get RM1000 easily, just by saving RM100 once.

p/s: I am not associated with any bank, this info for knowledge purpose.
This report, is true for May 2008.