Tan Sri Rafidah Aziz served 21 years as Minister of International Trade and Industry — longer than any other holder of the post. Under her leadership, Malaysia became the world's largest exporter of semiconductors. She agreed to speak publicly only after personally testing 123. Photo: The Star / Filepic

Your fixed deposit is paying you 1.85%. Your savings account, at best, 1.5%. These rates have barely moved in years. Not because there is nothing better — but because the mechanisms that generate meaningful returns have always been structured in a way that excludes the people who need them most.

You have been on the wrong side of a decision made decades before you opened this article. As Minister of International Trade and Industry from 1987 to 2008, Tan Sri Rafidah Aziz sat in the rooms where capital infrastructure was designed. She watched Malaysia's manufacturing exports grow from 40 percent of GDP to over 50 percent. She watched FDI flood into Malaysia through the 1990s boom. And she watched every one of the people whose labour made all of it possible — the factory workers, the civil servants, the teachers — receive almost nothing of the return on the capital they helped build. Not because there was nothing better than a fixed deposit. But because the mechanisms that generated real returns were never designed with a RM1,100 minimum in mind. That was not an accident. That was the architecture.

She has decided to name what was on the inside. And she did not come to this decision quickly.

Rohani Yusoff, 51, a primary school teacher from Nilai, tested her claim with RM1,100 of her own money. What happened over the 45 days that followed is what this report is about.

What she saw from the inside

"I spent 21 years deciding who got access to investment infrastructure in this country. The answer, almost always, was corporations and governments. The ordinary Malaysian — the teacher, the factory operator, the small trader — was told to put money in fixed deposits, in Amanah Saham, in EPF. All decent instruments. But none of them generates the kind of return that was being made at the level I was working at. That was not an accident. It was an architecture. Capital instruments that could generate 7, 8, 9 percent returns in a 45-day cycle were available. They were simply never designed with a RM1,100 minimum in mind." — Tan Sri Rafidah Aziz, former Minister of International Trade and Industry, Malaysia (1987–2008)

That architecture, she explains, has finally changed — not through policy, but through technology.

"What has happened is that the algorithmic infrastructure that institutional investors have used for decades to position capital systematically has now been made available at a scale ordinary Malaysians can access. The logic is the same. The mathematics is the same. What has changed is the entry point. For RM1,100, a Malaysian family can now access a position structure that previously required hundreds of thousands of ringgit to generate a meaningful return. That is a genuine change. That is why I agreed to be involved — because for the first time, the argument that 'this is only for the wealthy' no longer holds." — Tan Sri Rafidah Aziz

Tan Sri Rafidah Aziz at a public forum in Kuala Lumpur. Her 21-year tenure at MITI coincided with Malaysia's transformation into one of the world's leading export economies.

The teacher who held her nerve for 45 days

Why RM1,100 — and not less?

The most common question from new participants: why does the minimum start at RM1,100?

Rafidah Aziz addresses this directly:

"Think of it the way I thought about minimum investment thresholds when attracting FDI to Malaysia. Below a certain commitment level, the infrastructure required to manage that position — the administration, the operational oversight, the position sizing — costs more than the return the position generates. 123 applies the same constraint. Below RM1,100, the system cannot open a position large enough to produce a meaningful return within the operating timeframe. It is mathematics, not a policy choice." — Tan Sri Rafidah Aziz

Your advisor will explain what amount makes sense for your situation — without pressure. Many participants start at RM1,100, confirm the first withdrawal, then increase.

What Malaysians are using it for

• ✓ Covering children's university or college fees at private or public institutions without touching EPF
• ✓ Settling PTPTN or HELP loan balance ahead of schedule
• ✓ Building a meaningful supplement to EPF savings to close the retirement shortfall
• ✓ Paying down a Maybank, CIMB, or RHB home loan balance faster than the bank's schedule
• ✓ Creating a medical emergency buffer without filing insurance claims or touching Amanah Saham
• ✓ Earning materially more than the ~1.85% fixed deposit or ~1.5% savings account most Malaysian banks currently offer
• ✓ Helping adult children with rental deposits or setup costs in Kuala Lumpur, Petaling Jaya, or Johor Bahru

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