What is the ROI of RM 60,000 invested at 5.75% for 60 consecutive months?

It depends on whether you mean simple interest or compound interest. For an investment over 60 months (5 years) at 5.75% per year, here are both:

1. Simple Interest

Formula:

$$\text{Interest} = P \times r \times t$$

Where:

• Principal (P) = RM60,000
• Annual rate (r) = 5.75% = 0.0575
• Time (t) = 5 years

Interest:

$$60,000 \times 0.0575 \times 5 = \textbf{RM17,250}$$

Total value:

• RM77,250

ROI:

$$\frac{17,250}{60,000} \times 100 = \textbf{28.75\%}$$

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2. Compound Interest (Compounded Annually)

Formula:

$$A = P(1+r)^t$$ $$A = 60,000(1.0575)^5 \approx \textbf{RM79,426.47}$$

Interest earned:

• RM19,426.47

ROI:

$$\frac{19,426.47}{60,000} \times 100 \approx \textbf{32.38\%}$$

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Summary

Method	Interest Earned	Final Amount	ROI
Simple Interest	RM17,250.00	RM77,250.00	28.75%
Compound (Annual)	RM19,426.47	RM79,426.47	32.38%