u/Flimsy_Ninja_6125

I'm 27, and a few years ago I started thinking about allocating part of my savings into things like ASB/SSPN that could generate around 4–5% annually.

My idea was to build up a sizeable amount there and use the returns to fund my hobbies, while continuing to contribute a small amount every month. Right now, I have around RM65k invested, which generates roughly RM2,500 a year.

Recently, I discovered ETFs and started wondering whether I made a mistake by putting so much of my savings into lower-return investments instead of investing in ETFs earlier.

So my question is: at 27, have I missed out on a significant opportunity by not investing in ETFs earlier?